| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 282905494 | UNITEDHEALTHCARE INSURANCE COMPANY | $255K | $0 | $255K | 3.50% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 2.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | $0 | $18K | 6.95% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | SUN LIFE AND HEALTH INSURANCE COMPANY | $10K | $0 | $10K | 4.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 199 WATER STREET NEW YORK, NY 10038 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $2K | $0 | $2K | 15.00% |
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 | 462 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,103 | $7.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,070 | $781K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 1,185 | $55K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 571 | $206K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 571 | $206K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,103 | $7.5M |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 571 | $491K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,185 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.