| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 8182 MARYLAND AVE. SUITE 1500 ST. LOUIS, MO 63105 | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUE SHIELD OF WESTERN NEW YORK | $174K | $0 | $174K | 1.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 8182 MARYLAND AVE. SUITE 1500 ST. LOUIS, MO 63105 | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $30K | $0 | $30K | 1.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | $128K | $81K | $209K | 13.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 8182 MARYLAND AVE. SUITE 1500 ST. LOUIS, MO 63105 | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $28K | $0 | $28K | 3.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | $73K | $12K | $85K | 14.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | $0 | $11K | 3.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | $0 | $7K | 3.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 44 WHIPPANY ROAD MORRISTOWN, NJ 07960 | UNITEDHEALTHCARE INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
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 | 767 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 777 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUE SHIELD OF WESTERN NEW YORK | 1,594 | $15.0M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,949 | $2.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 834 | $92K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,949 | $2.2M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,949 | $2.2M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,949 | $2.2M |
| Prescription drug(3 contracts, 2 carriers) | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUE SHIELD OF WESTERN NEW YORK | 1,594 | $14.4M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,949 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,949 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.