| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $90 | $90 | 0.05% |
| AON CONSULTING INC7 Filed as: AON HEWITT | 29840 NETWORK PL CHICAGO, IL 60673 | CIGNA LIFE INSURANCE CO OF NY | — | $17 | $17 | 0.02% |
| AON CONSULTING INC7 Filed as: AON HEWITT | 29840 NETWORK PL CHICAGO, IL 60673 | CIGNA LIFE INSURANCE CO OF NY | — | $50 | $50 | 0.05% |
| AON CONSULTING INC7 Filed as: AON HEWITT | 29840 NETWORK PL CHICAGO, IL 60673 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $21 | $21 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE EIN 23-7391136 NONE | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 12 | — | $279K |
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 | 536 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTH CHOICE ASSURANCE IN | 992 | $378K |
| Dental | DELTA DENTAL OF NEW YORK | 976 | $354K |
| Vision | EYE MED | 646 | $48K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 599 | $188K |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NY | 536 | $105K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 649 | $516K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 992 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.