| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955909 ST. LOUIS, MO 63195 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $144K | — | $144K | 3.54% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | $43 | $13K | 4.97% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955909 LOCKBOX 955909 ST. LOUIS, MO 63195 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $2K | $2K | 0.63% |
| 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 | 3.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $6K | $276 | $6K | 15.73% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE CENTRAL | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955909 ST. LOUIS, MO 631955909 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $440 | $4K | 17.02% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955909 ST. LOUIS, MO 631955909 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $619 | $3K | 18.49% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955909 ST. LOUIS, MO 631955909 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $449 | $3K | 18.12% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | $100 | $2K | 15.76% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | $66 | $1K | 15.74% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE SOUTHFIELD, MI 48075 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $727 | $164 | $891 | 14.02% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET SUITE 900 CHICAGO, IL 60601 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $9 | $9 | 0.14% |
| AON CONSULTING INC3 Filed as: AON RISK CENTRAL | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $854 | — | $854 | 15.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $341 | $17 | $358 | 15.73% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE CENTRAL | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $206 | — | $206 | 15.04% |
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 | 448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 600 | $4.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 454 | $268K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 264 | $45K |
| Short-term disability(3 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 222 | $75K |
| Long-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 222 | $32K |
| Prescription drug(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 600 | $4.2M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 222 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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.