| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIBERTY LIFE ASSURANCE OF BOSTON | — | $14K | $14K | 1.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $3K | $3K | 1.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENT | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $268 | $268 | 0.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $972 | — | $972 | 1.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENT | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $220 | $220 | 0.34% |
| DISABILITY MGMT ALT, LLC3 Filed as: DISABILITY MANAGEMENT ALTERNATIVES, | 9 FARM SPRINGS ROAD FARMINGTON, CT 06032 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 66.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT FOCUS.COM INC PROVD SRVS TO RELATED PLN | Actuarial Service code 11 | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | $19K |
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 | 6,466 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE OF BOSTON | 6,673 | $1.1M |
| Other(4 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,466 | $363K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,673 | — |
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.