| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955909 ST. LOUIS, MO 63195 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $987 | — | $987 | 9.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - MOUNTAIN WEST | PO BOX 173850, DEPT 999228 DENVER, CO 80217 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $643 | $22 | $665 | 6.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 14850 N. SCOTTSDALE ROAD, SUITE 225 SCOTTSDALE, AZ 85254 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $71 | $71 | 0.65% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 1850 N. CENTRAL, SUITE 1700 PHOENIX, AZ 85004 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $55 | $55 | 0.51% |
| LOCKTON COMPANIES, LLC3 Filed as: MOUNTAIN WEST SERIES OF LOCKTON | DEPT 42245 PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | -$643 | — | -$643 | -5.91% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | -$735 | — | -$735 | -6.76% |
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 | 559 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 727 | $3.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 727 | $3.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 727 | $3.1M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 789 | $192K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 789 | $192K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 789 | $192K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 789 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 789 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.