| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | PO BOX 551343 ATLANTA, GA 303553700 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 9.19% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 13901 SUTTON PARK DR. S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $7K | — | $7K | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 13901 SUTTON PARK DR. S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $6K | — | $6K | 10.46% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 13901 SUTTON PARK DR. S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | — | $3K | 13.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $967 | — | $967 | 6.13% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 13901 SUTTON PARK DR. S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $355 | — | $355 | 12.99% |
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 | 256 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 442 | $194K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 442 | $194K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 243 | $72K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 254 | $59K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 254 | $25K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 254 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.