| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 123 N. WACKER DRIVE SUITE 1000 CHICAGO, IL 60606 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $158K | — | $158K | 4.55% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE SUITE 1926 CHICAGO, IL 60675 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $61 | — | $61 | 0.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | C/O NORTHERN TRUST BANK 75 REMITTANCE DR, SUITE 1446 CHICAGO, IL 60675 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $912 | $12K | 5.37% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 625 LIBERTY AVENUE EQT PLAZA 10TH FLOOR PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $4K | — | $4K | 3.49% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | C/O NORTHERN TRUST BANK 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $6K | $154 | $6K | 15.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 4000 TOWN CENTER SUITE 800 SOUTHFIELD, MI 48075 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $148 | $148 | 0.40% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 4000 TOWN CENTER SUITE 800 SOUTHFIELD, MI 480751405 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 625 LIBERTY AVENUE EQT PLAZA 10TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 625 LIBERTY AVENUE EQT PLAZA 10TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 625 LIBERTY AVENUE EQT PLAZA 10TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | C/O NORTHERN TRUST BANK 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | $55 | $2K | 15.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 4000 TOWN CENTER SUITE 800 SOUTHFIELD, MI 48075 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $53 | $53 | 0.39% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | C/O NORTHERN TRUST BANK 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, ID 60675 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $702 | $23 | $725 | 15.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 4000 TOWN CENTER SUITE 800 SOUTHFIELD, MI 48075 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $22 | $22 | 0.47% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | C/O NORTHERN TRUST BANK 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $335 | $9 | $344 | 15.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 4000 TOWN CENTER SUITE 800 SOUTHFIELD, MI 48075 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $9 | $9 | 0.40% |
| USI INSURANCE SERVICES LLC4 Filed as: USI INS SERVICES NATION INC. | 4000 TOWN CENTER SUITE 800 SOUTHFIELD, MI 48075 | PRE- PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $19 | — | $19 | 8.12% |
| RON CHAMBERS4 | 3281 PLATEAU PLACE CINCINNATI, OH 45241 | PRE- PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $15 | — | $15 | 6.41% |
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 | 408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 532 | $3.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 425 | $221K |
| Vision | VISION SERVICE PLAN | 320 | $30K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 236 | $36K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 207 | $54K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 207 | $30K |
| Prescription drug(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 532 | $3.6M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 207 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.