| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EMBLEM HEALTH | $57K | — | $57K | 3.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $5K | $2K | $7K | 2.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 956012 ST LOUIS, MO 60675 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $7K | $7K | 1.87% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $16K | — | $16K | 5.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $13K | $2K | $15K | 6.13% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 956012 ST LOUIS, MO 60675 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $3K | $3K | 1.07% |
| AON CONSULTING INC3 | 201 MERRITT 7 NORWALK, CT 068511056 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $1K | $7K | 11.92% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 595 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEM HEALTH | 125 | $1.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 832 | $299K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 549 | $55K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 445 | $366K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 772 | $242K |
| Prescription drug | EMBLEM HEALTH | 125 | $1.5M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 106 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 832 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.