| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $11K | $77K | $88K | 8.37% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 956012 ST. LOUIS, MO 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $5K | $5K | 0.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $23K | $9K | $32K | 3.36% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 956012 ST. LOUIS, MO 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 0.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $31K | $6K | $37K | 6.93% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 956012 ST. LOUIS, MO 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 0.78% |
| AON CONSULTING INC3 | 44 WHIPPANY ROAD MORRISTOWN, NJ 07960 | EXCELLUS BCBS | $12K | — | $12K | 3.70% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. DBA | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | AETNA LIFE INSURANCE CO. | $24K | — | $24K | 12.63% |
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 | 5,108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BCBS | 28 | $331K |
| Vision | AETNA LIFE INSURANCE CO. | 2,942 | $194K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,710 | $531K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,108 | $951K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,733 | $1.1M |
| Prescription drug | EXCELLUS BCBS | 28 | $331K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,710 | $531K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,108 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.