| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 | 50 WHITCAP DRIVE NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE INSURANCE | $111K | $0 | $111K | 6.67% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | STONEBRIDGE LIFE INSURANCE | $74K | $0 | $74K | 4.44% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | MONUMENTAL LIFE INSURANCE CO. | $147K | $0 | $147K | 10.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | MONUMENTAL LIFE INSURANCE CO. | $82K | $0 | $82K | 6.10% |
| WEB TPA5 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | MONUMENTAL LIFE INSURANCE CO. | $66K | $0 | $66K | 4.89% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTERAL INC | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | AETNA LIFE INSURANCE CO. | $89K | $0 | $89K | 9.93% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE CHICAGO, IL 60675 | DELTA DENTAL OF INDIANA | $14K | $0 | $14K | 2.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $7K | 5.90% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTERAL INC | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 6.23% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | 300 JERICHO QUADRANGLE SUITE 300 JERICHO, NY 11753 | ZURICH AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 3.43% |
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 | 953 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 632 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MONUMENTAL LIFE INSURANCE CO. | 637 | $1.3M |
| Dental | DELTA DENTAL OF INDIANA | 1,520 | $474K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 600 | $129K |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,552 | $898K |
| Long-term disability(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,552 | $1.1M |
| Prescription drug | STONEBRIDGE LIFE INSURANCE | 637 | $1.7M |
| Other(5 contracts, 5 carriers) | MONUMENTAL LIFE INSURANCE CO. | 1,552 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,552 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.