| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE DEPT. 1926 CHICAGO, IL 606751926 | ANTHEM INSURANCE COMPANIES INC. | $36K | — | $36K | 2.06% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE INSURANCE | $94K | — | $94K | 6.67% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | STONEBRIDGE LIFE INSURANCE | $62K | — | $62K | 4.44% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | MONUMENTAL LIFE INSURANCE CO. MEDICARE SUPPLEMENT | $139K | — | $139K | 11.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | MONUMENTAL LIFE INSURANCE CO. MEDICARE SUPPLEMENT | $76K | — | $76K | 6.10% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | MONUMENTAL LIFE INSURANCE CO. MEDICARE SUPPLEMENT | $58K | — | $58K | 4.68% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | AETNA LIFE INSURANCE CO. | $94K | — | $94K | 9.32% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - INDIANAPOLIS | 75 REMITTANCE DR STE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 4.92% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC (R) | 75 REMITTANCE DR STE 1446 CHICAGO, IL 60675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 5.63% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | 300 JERICHO QUADRANGLE SUITE 300 JERICHO, NY 11753 | ZURICH AMERICAN INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DR STE 1446 CHICAGO, IL 60675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 3.50% |
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 | 957 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 768 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES INC. | 559 | $3.0M |
| Dental | DELTA DENTAL OF INDIANA | 1,687 | $529K |
| Vision(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 626 | $144K |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,256 | $1.0M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 1,256 | $1.0M |
| Long-term disability(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,256 | $1.3M |
| Prescription drug | STONEBRIDGE LIFE INSURANCE | 559 | $1.4M |
| Other(5 contracts, 5 carriers) | MONUMENTAL LIFE INSURANCE CO. MEDICARE SUPPLEMENT | 1,256 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,687 | — |
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.
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.