| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 955816 ST, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.93% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $488 | $488 | 0.35% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - MINNEAPOLISIS | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 955816 ST. LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $152 | $152 | 0.87% |
| AON CONSULTING INC3 Filed as: AON HEALTH SOLUTIONS | 897 12TH STREET STE 300 HAMMONTON, NJ 08037 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $7K | — | $7K | 50.00% |
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 | 993 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,015 | 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. | 1,172 | $73K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,286 | $183K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 990 | $139K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,055 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,286 | — |
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."
No prospect flags tripped on this filing.