| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 111 SOUTH CALVERT STREET, SUITE 201 BALTIMORE, MD 21202 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $0 | $81K | $81K | 1.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD SUITE 210 ROCKVILLE, MD 20850 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $0 | $34K | $34K | 0.65% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | STANDARD LIFE INSURANCE COMPANY | $23K | $0 | $23K | 6.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 5 TRIAD CENTER, SUITE 525 SALT LAKE CITY, UT 84180 | STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.76% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $1K | $374 | $2K | 7.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD SUITE 210 ROCKVILLE, MD 20850 | METLIFE LEGAL PLANS | $937 | $94 | $1K | 4.28% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 700 | $5.2M |
| Vision | VISION SERVICE PLAN | 331 | $58K |
| Life insurance | STANDARD LIFE INSURANCE COMPANY | 400 | $324K |
| Long-term disability | STANDARD LIFE INSURANCE COMPANY | 400 | $324K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 700 | $5.2M |
| Other(4 contracts, 4 carriers) | STANDARD LIFE INSURANCE COMPANY | 935 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 935 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.