| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 1447 LINCOLNSHIRE, IL 600691447 | HARTFORD LIFE AND ACCIDENT | $52K | — | $52K | 6.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $33K | $10K | $43K | 5.02% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.29% |
| NBT INSURANCE AGENCY LLC1 Filed as: NBT INSURANCE AGENCY, LLC | 66 SOUTH BROAD STREET NORWICH, NY 13815 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $83K | — | $83K | 10.52% |
| NBT INSURANCE AGENCY LLC3 Filed as: NBT INSURANCE AGENCY, LLC | 66 SOUTH BROAD STREET NORWICH, NY 13815 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 20.01% |
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 | 1,811 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 178 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,989 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 2,953 | $937K |
| Vision | HM LIFE INSURANCE COMPANY | 2,623 | $183K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 2,633 | $789K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,386 | $851K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,386 | $851K |
| Other(5 contracts, 3 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 2,633 | $831K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,953 | — |
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."
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.