| 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. | $146K | — | $146K | 2.81% |
| 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 | $20K | — | $20K | 4.95% |
| 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 | 0.53% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 955909 ST. LOUIS, MO 63195 | UPMC HEALTH OPTIONS | $2K | — | $2K | 2.01% |
| AON CONSULTING INC3 | 24840 NETWORK PLACE CHICAGO, IL 606731298 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $1K | $11K | 17.24% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 955909 ST. LOUIS, MO 63195 | UPMC HEALTH COVERAGE | $3K | — | $3K | 4.77% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955909 ST. LOUIS, MO 631955909 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $321 | $8K | 15.65% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955909 ST. LOUIS, MO 631955909 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $271 | $5K | 15.93% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955909 ST. LOUIS, MO 631955909 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $183 | $4K | 15.74% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4K | $144 | $4K | 15.59% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $364 | $3K | 17.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $2K | $122 | $2K | 15.34% |
| BENEFITFOCUS.COM, INC.3 | DEPT. 3383 PO BOX 123383 DALLAS, TX 75312 | METLIFE LEGAL PLANS | — | $150 | $150 | 1.17% |
| AON CONSULTING INC3 | ATTN STEPHANIE ATTRUIA CORP ACCTG 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | — | $35 | $35 | 0.27% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET SUITE 900 CHICAGO, IL 606016420 | METLIFE LEGAL PLANS | — | $7 | $7 | 0.05% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $569 | $21 | $590 | 15.55% |
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 | 478 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 751 | $5.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 630 | $395K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 751 | $5.2M |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 304 | $74K |
| Short-term disability(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 252 | $87K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 342 | $45K |
| Prescription drug(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 751 | $5.3M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 304 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 751 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.