| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | 13901 SUTTON PARK DR. S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.40% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 13901 SUTTON PARK DR. S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6K | $395 | $7K | 10.63% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 13901 SUTTON PARK DR. S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6K | $465 | $6K | 10.82% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 13901 SUTTON PARK DR. S BUILDING C SUITE 360 JACKSONVILLE, FL 322240229 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 7.54% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 13901 SUTTON PARK DR. S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $170 | $2K | 10.81% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DR. S BUILDING C SUITE 360 JACKSONVILLE, FL 322240229 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 8.11% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 13901 SUTTON PARK DR. S BUILDING C SUITE 360 JACKSONVILLE, FL 322240229 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 7.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 22.92% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 13901 SUTTON PARK DR. S BUILDING C SUITE 360 JACKSONVILLE, FL 322240229 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $716 | — | $716 | 9.81% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 13901 SUTTON PARK DR. S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $303 | $26 | $329 | 10.85% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INS | 13901 SUTTON PARK DR. S BUILDING C SUITE 360 JACKSONVILLE, FL 322240229 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $98 | — | $98 | 9.80% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $230K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 359 | $20K |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 381 | $85K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 248 | $76K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 248 | $28K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 248 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.