| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE INSURANCE CO. | — | $5K | $5K | 0.95% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60673 | HARTFORD LIFE INSURANCE CO. | — | $1K | $1K | 0.23% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106K | $24K | $130K | 38.61% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | BOX 202617 ST. LOUIS, MO 63105 | ALLSTATE WORKPLACE DIVISION | $24K | — | $24K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 1166 AVENUE OF THE AMERICAS 34TH FLOOR NEW YORK, NY 100362774 | ZURICH AMERICAN INSURANCE COMPANY | $5K | — | $5K | 20.00% |
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 | 3,087 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,187 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY OF NEW YORK | 7,211 | $289K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 5,250 | $3.2M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 4,277 | $2.7M |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 5,250 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,211 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.