| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE CO. | $78K | — | $78K | 2.99% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE CO. | — | $80 | $80 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 3697 MT. DIABLO BOULEVARD SUITE 100 LAFAYETTE, CA 94549 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | $2K | $3K | 3.67% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 2.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3697 MT DIABLO BOULEVARD LAFAYETTE, CA 94549 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | — | $1K | 1.31% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 3697 MT. DIABLO BOULEVARD SUITE 100 LAFAYETTE, CA 94549 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | $2K | $3K | 3.73% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | — | $1K | 2.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3697 MT DIABLO BOULEVARD LAFAYETTE, CA 94549 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $926 | — | $926 | 1.31% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 3697 MT. DIABLO BOULEVARD SUITE 100 LAFAYETTE, CA 94549 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $521 | $522 | $1K | 3.88% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $503 | — | $503 | 1.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3697 MT DIABLO BOULEVARD LAFAYETTE, CA 94549 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $321 | — | $321 | 1.19% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 3697 MT. DISNLO BOULEVARD SUITE 100 LAFAYETTE, CA 94594 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $120 | $121 | $241 | 3.78% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $123 | — | $123 | 1.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3697 MT DIABLO BOULEVARD LAFAYETTE, CA 94549 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $76 | — | $76 | 1.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | OF CALIFORNIA, INC. 3697 MT. DIABLO BOULEVARD, STE 100 LAFAYETTE, CA 94549 | HOLMAN FAMILY COUNSELING, INC. | $41 | — | $41 | 4.02% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 379 | $2.6M |
| Dental | AETNA LIFE INSURANCE CO. | 379 | $2.6M |
| Vision | AETNA LIFE INSURANCE CO. | 379 | $2.6M |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 261 | $27K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 261 | $79K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 261 | $71K |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 261 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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.