| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NY | 29840 NETWORK PL CHICAGO, IL 606731298 | UNITED HEALTHCARE INSURANCE COMPANY | $211K | — | $211K | 3.34% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | MUTUAL OF OMAHA INSURANCE COMPANY | $10K | — | $10K | 6.74% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 9.90% |
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 | 345 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 706 | $6.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 706 | $6.3M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 706 | $6.3M |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 345 | $209K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 345 | $149K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 345 | $149K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 706 | $6.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 706 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.