| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $325 | $0 | $325 | 10.01% |
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 | 483 | 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) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA (BCBSNC) | 485 | $2.2M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 477 | $163K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 425 | $24K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 483 | $79K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 485 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 483 | $46K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA (BCBSNC) | 485 | $2.2M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 483 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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 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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.