| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $141K | — | $141K | 0.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING-NEW YORK | PO BOX 905494 CHARLOTTE, NC 282905494 | FIRST UNUM LIFE INSURANCE COMPANY | $168K | — | $168K | 1.74% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $288K | $2K | $289K | 20.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 13-3670795 NONE | Claims processing Service code 12 | — | $315K |
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 | 17,950 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,102 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 24,052 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 5,464 | $1.9M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 28,756 | $2.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18,009 | $14.2M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 24,161 | $9.6M |
| Other(3 contracts, 2 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH,PA | 9,321 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,756 | — |
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.