| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC.X | DBA AON CONSULTING OF NEW JERSEY 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $185K | $95K | $280K | 7.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC. | AON CONSULTING INC. 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $32K | $11K | $43K | 6.63% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.46% |
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 | 4,239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,290 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | KEYSTONE HEALTH PLAN CENTRAL | 171 | $3.4M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 3,362 | $635K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 9,019 | $3.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,682 | $646K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,019 | $3.7M |
| Prescription drug(8 contracts, 7 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 171 | $1.8M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,019 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,019 | — |
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."
No prospect flags tripped on this filing.