| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON BENEFIT SERVICES INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARVARD PILGRIM HEALTH CARE | $33K | — | $33K | 1.14% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARVARD PILGRIM HEALTH CARE | $10K | — | $10K | 0.36% |
| AON CONSULTING INC3 | 500 EAST PRATT STREET BALTIMORE, MD 21202 | CAREFIRST BLUECHOICE | — | $46K | $46K | 1.71% |
| BENEFITMALL5 Filed as: BENEFITMALL/MATHER & STROHL | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | CAREFIRST BLUECHOICE | — | $16K | $16K | 0.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $130K | $23K | $153K | 8.25% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731296 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $23K | $6K | $29K | 6.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $5K | — | $5K | 2.77% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON CO. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $4K | $31K | 34.53% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF NY | 199 WATER STREET NEW YORK, NY 10038 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| AON CONSULTING INC3 Filed as: AON BENEFIT SERVICES INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARVARD PILGRIM HEALTH CARE | $168 | — | $168 | 1.16% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARVARD PILGRIM HEALTH CARE | $53 | — | $53 | 0.37% |
| BENEFIT SERVICES INS AGENCY INC3 | 36 WASHINGTON STREET SUITE 80 WELLESLEY, MA 02481 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $391 | — | $391 | 5.36% |
| HOWARD R. GRIMES3 | 1150 REEF ROAD #27 VERO BEACH, FL 32963 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $172 | — | $172 | 2.36% |
| KIM NATOVITZ CUTLER3 | 6550 ROCK SPRING DRIVE SUITE 190 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.12% |
| AMERICAN EXPRESS FINANCIAL ADV3 Filed as: AMERICAN EXPRESS FINANCIAL ADVISORS | 1521 AMP FINANCIAL CENTER MINNEAPOLIS, MN 55474 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6 | $6 | 0.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $187 | $7 | $194 | 15.54% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,582 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | HARVARD PILGRIM HEALTH CARE | 478 | $7.1M |
| Vision | VISION SERVICE PLAN | 879 | $167K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,759 | $450K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,820 | $1.9M |
| Prescription drug | CAREFIRST BLUECHOICE | 478 | $2.7M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,759 | $567K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,820 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.