| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | PO BOX 905494 CHARLOTTE, NC 282905494 | FIRST UNUM LIFE INSURANCE COMPANY | — | $13K | $13K | 1.33% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $179 | $15K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 220 W MAIN STREET SUITE 1800 LOUISVILLE, KY 402021382 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $7K | $11K | 3.65% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | PO BOX 905494 CHARLOTTE, NC 282905494 | FIRST UNUM LIFE INSURANCE COMPANY | — | $3K | $3K | 1.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | $238 | $2K | 7.65% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 10 LANIDEX PLAZA W PARSIPPANY, NJ 07054 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $47 | $47 | 0.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $4K | — | $4K | 20.00% |
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 | 497 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 539 | $570K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 616 | $1.0M |
| Other(4 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 539 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 616 | — |
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.