| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $166K | — | $166K | 4.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $159K | — | $159K | 4.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $73K | — | $73K | 2.50% |
| AON CONSULTING INC3 Filed as: CAMMACK HEALTH LLC, AN AON COMPANY | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | — | $4K | 0.38% |
| AON CONSULTING INC3 Filed as: CAMMACK HEALTH LLC, AN AON COMPANY | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | — | $1K | 0.14% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 3.00% |
| MHA INSURANCE AGENCY3 Filed as: MHA INSURANCE AGENCY, INC. | 500 DISTRICT AVENUE BURLINGTON, MA 01803 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $50K | — | $50K | 8.67% |
| K N & A INC.3 Filed as: K N & A INC | 6720-B ROCKLEDGE DRIVE BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $73K | $8K | $81K | 22.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | SUITE 1000 5600 W 83RD STREET 8200 TOWER BLOOMINGTON, MN 55437 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $11K | $12K | 12.26% |
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 | 14,929 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 157 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,086 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 21,846 | $986K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 14,200 | $3.5M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,925 | $4.0M |
| Long-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 18,042 | $4.6M |
| Other(3 contracts, 3 carriers) | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | 18,262 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,846 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.