| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | AETNA LIFE INSURANCE CO. | $11K | $0 | $11K | 1.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | PO BOX 905494 CHARLOTTE, NC 282905494 | HARTFORD LIFE AND ACCIDENT | $16K | $8K | $24K | 3.05% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE DEPT 1926 NORTHERN TRUST BANK CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 0.27% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET SUITE 1000 CHICAGO, IL 60601 | HARTFORD LIFE AND ACCIDENT | $14K | $1K | $16K | 16.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 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 | 1,261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 98 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 2,068 | $802K |
| Vision | HM LIFE INSURANCE COMPANY | 1,451 | $86K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,892 | $789K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,892 | $789K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,261 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,068 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.