| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $31K | $31K | 1.41% |
| MASS MUTUAL FINANCIAL GROUP3 Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE | VARIOUS AGENTS - SEE ATTACHMENT 1295 STATE STREET SPRINGFIELD, MA 01111 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $98K | $3K | $101K | 16.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | ONE BATTERY PARK PLAZA 6TH FLOOR NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 9.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.40% |
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 | 1,499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 31 | $159K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,458 | $385K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,456 | $2.8M |
| Prescription drug | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 31 | $159K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,458 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,458 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.