| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29848 NETWORK PL CHICAGO, IL 606731298 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 6.90% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 4TH STREET SUITE 700 LAS VEGAS, NV 891016023 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.10% |
| AON CONSULTING INC3 | 29848 NETWORK PL CHICAGO, IL 606731298 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 6.77% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANS INC | 300 S 4TH STREET SUITE 700 LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.23% |
| AON CONSULTING INC3 | 29848 NETWORK PL CHICAGO, IL 606731298 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.92% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANS INC | 300 S 4TH STREET SUITE 700 LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HM LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRINCIPAL LIFE INSURANCE COMPANY | $439 | — | $439 | 7.70% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANS INC | 300 S 4TH STREET SUITE 700 LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $131 | — | $131 | 2.30% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 685 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 980 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 309 | $552K |
| Vision | HM LIFE INSURANCE COMPANY | 594 | $25K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 795 | $136K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 151 | $90K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $34K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 309 | $526K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 795 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 795 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.