| 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. | $129K | — | $129K | 3.54% |
| 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 | $13K | — | $13K | 4.96% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE CENTRAL, INC. | PO BOX 955909 LOCKBOX 955909 ST. LOUIS, MO 63195 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $1K | $1K | 0.50% |
| 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 | 3.54% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $6K | $229 | $6K | 15.61% |
| 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 | $5K | $257 | $5K | 15.83% |
| 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 | $172 | $4K | 15.77% |
| 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 | $222 | $4K | 16.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | $86 | $2K | 15.64% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | $28 | $1K | 15.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE SOUTHFIELD, MI 48075 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $619 | $64 | $683 | 11.26% |
| 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 | $338 | $14 | $352 | 15.62% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 4000 TOWN CENTER SUITE 800 SOUTHFIELD, MI 480751405 | VISION SERVICE PLAN | — | — | $0 | — |
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. | 562 | $3.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 438 | $268K |
| Vision | VISION SERVICE PLAN | 0 | $0 |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 293 | $35K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 255 | $60K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 255 | $39K |
| Prescription drug(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 562 | $3.7M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 255 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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."
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.