| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC (SOMERSET) | 400 ATRIUM DRIVE SOMERSET, NJ 08873 | SELECTHEATH | $15K | — | $15K | 1.04% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | BLUECROSS BLUESHIELD OF ILLINOIS | $32K | — | $32K | 2.44% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $135K | $135K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 3.58% |
| AON CONSULTING INC3 | 200 EAST RANDOLPH STREET SUITE 900 CHICAGO, IL 60601 | HEARTLAND | $4K | — | $4K | 9.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | MAGELLAN BEHAVIORAL HEALTH | $811 | — | $811 | 12.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $228 | — | $228 | 14.98% |
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 | 671 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SELECTHEATH | 231 | $2.7M |
| Dental | AETNA LIFE INSURANCE CO. | 1,263 | $432K |
| Vision | HEARTLAND | 839 | $43K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,055 | $899K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,055 | $899K |
| Prescription drug(2 contracts, 2 carriers) | SELECTHEATH | 231 | $2.7M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,055 | $908K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,263 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.