| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | HARTFORD LIFE & ACCIDENT | $583K | $0 | $583K | 4.02% |
| AMERICAN BEN. AND COMP. SYS. INC.3 Filed as: AMERICAN BEN. & COMP. SYSTEMS | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE & ACCIDENT | $0 | $352K | $352K | 2.42% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE & ACCIDENT | $0 | $146K | $146K | 1.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 955816 ST. LOUIS, MO 63195 | HARTFORD LIFE & ACCIDENT | $0 | $28K | $28K | 0.19% |
| BENEFITS PLANNING CORP.3 | ONE HUNTINGTON QUAD SUITE 1C09 MELVILLE, NY 11747 | HARTFORD LIFE & ACCIDENT | $447K | $0 | $447K | 4.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 165 BROADWAY SUITE 201 NEW YORK, NY 10006 | HARTFORD LIFE & ACCIDENT | $447K | $0 | $447K | 4.92% |
| AMERICAN BEN. AND COMP. SYS. INC.3 Filed as: AMERICAN BEN & COMP SYSTEMS INC. | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE & ACCIDENT | $0 | $209K | $209K | 2.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE & ACCIDENT | $0 | $30K | $30K | 0.33% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 955816 ST. LOUIS, MO 63195 | HARTFORD LIFE & ACCIDENT | $0 | $6K | $6K | 0.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 0.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $130 | $0 | $130 | 0.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $129 | $0 | $129 | 0.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $27 | $0 | $27 | 0.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $11 | $0 | $11 | 1.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $2 | $0 | $2 | 0.45% |
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 | 45,009 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 121 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 45,130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 12,409 | $2.3M |
| Vision(5 contracts) | HM LIFE INSURANCE COMPANY | 52,057 | $3.2M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT | 45,008 | $9.1M |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 37,800 | $14.5M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE & ACCIDENT | 45,008 | $11.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 52,057 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.