| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 2.50% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVENUE NEW YORK, NY 100176603 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 2.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $5K | — | $5K | 2.34% |
| PHILLIP RUGGIERI3 | 355 LEXINGTON AVENUE FLOOR 22 NEW YORK, NY 100176603 | VISION SERVICE PLAN | $4K | — | $4K | 1.66% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.75% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVENUE 22ND NEW YORK, NY 10017 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HYATT LEGAL PLANS OF FLORIDA | $2K | — | $2K | 6.37% |
| PHILIP RUGGIERI3 | DBA RUGGIERI CONSULTING GROUP, LLC 355 LEXINGTON AVENUE NEW YORK, NY 10017 | HYATT LEGAL PLANS OF FLORIDA | $1K | — | $1K | 4.67% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVENUE NEW YORK, NY 10022 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $658 | $348 | $1K | 7.76% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $768 | — | $768 | 5.92% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVENUE NEW YORK, NY 10022 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $405 | $258 | $663 | 8.22% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $481 | — | $481 | 5.97% |
| RISTY BENEFITS INC3 | PO BOX 90335 SIOUX FALLS, SD 57109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $589 | $89 | $678 | 17.27% |
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 | 1,870 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,903 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,671 | $649K |
| Dental | AETNA LIFE INSURANCE COMPANY | 272 | $58K |
| Vision | VISION SERVICE PLAN | 1,216 | $224K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,830 | $424K |
| Short-term disability(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 425 | $21K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 14 | $4K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,671 | $649K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,830 | $454K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,830 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.