| 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. | $23K | — | $23K | 0.97% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 123 N. WACKER DR. SUITE 1000 CHICAGO, IL 60606 | ANTHEM INSURANCE COMPANIES INC. | $9K | — | $9K | 0.38% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE INSURANCE | $102K | — | $102K | 7.58% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | STONEBRIDGE LIFE INSURANCE | $48K | — | $48K | 3.53% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | MONUMENTAL LIFE INSURANCE CO. MEDICARE SUPPLEMENT | $147K | — | $147K | 12.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | MONUMENTAL LIFE INSURANCE CO. MEDICARE SUPPLEMENT | $57K | — | $57K | 4.84% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | MONUMENTAL LIFE INSURANCE CO. MEDICARE SUPPLEMENT | $55K | — | $55K | 4.65% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | AETNA LIFE INSURANCE CO. | $94K | — | $94K | 10.02% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DR. CHICAGO, IL 60675 | DELTA DENTAL OF INDIANA | $19K | — | $19K | 3.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - INDIANAPOLIS | 75 REMITTANCE DR STE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.69% |
| 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 | $4K | — | $4K | 4.26% |
| 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 | $18 | — | $18 | 1.14% |
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 | 1,018 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 880 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,898 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES INC. | 533 | $3.5M |
| Dental | DELTA DENTAL OF INDIANA | 1,818 | $557K |
| Vision(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 643 | $153K |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,293 | $941K |
| Long-term disability(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,293 | $1.2M |
| Prescription drug | STONEBRIDGE LIFE INSURANCE | 532 | $1.3M |
| Other(5 contracts, 5 carriers) | MONUMENTAL LIFE INSURANCE CO. MEDICARE SUPPLEMENT | 1,293 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,818 | — |
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.