| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | PO BOX 905494 CHARLOTTE, NC 282905494 | HARTFORD LIFE AND ACCIDENT | $91K | $8K | $100K | 5.72% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE DEPT 1926 NORTHERN TRUST BANK CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 0.37% |
| AON CONSULTING INC3 Filed as: AON HEWITT | PO BOX 905494 CHARLOTTE, NC 282905494 | COMBINED INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 10.77% |
| MARY JANE SCHROEDER3 | 444 S FLOWER STREET SUITE 4200 LOS ANGELES, CA 900712965 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | $591 | $8K | 9.48% |
| MICHAEL A BOOK3 | 530 5TH AVENUE FLOOR 11 NEW YORK, NY 100365101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $4K | $8K | 9.44% |
| GREGORY KARL LARGE3 | 530 5TH AVENUE FLOOR 11 NEW YORK, NY 100365101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $113 | $2K | 2.54% |
| RICHARD PIERCE VANBENSCHOTEN3 | 5030 5TH AVENUE FLOOR 11 NEW YORK, NY 100365101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $121 | $2K | 1.95% |
| HUGO CHRISTOPHER GUCKERT3 Filed as: HUGO C GUCKERT IV | PO BOX 310 HAMPSTEAD, MD 210740310 | RELIASTAR LIFE INSURANCE COMPANY | $17K | $0 | $17K | 39.48% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606831298 | RELIASTAR LIFE INSURANCE COMPANY | $11K | $0 | $11K | 26.32% |
| COMMON CENSUS, INC.3 Filed as: COMMON CENSUS INC | 90 BRIDGE STREET, FLOOR 1 WESTBROOK, ME 040922948 | RELIASTAR LIFE INSURANCE COMPANY | — | $2K | $2K | 3.87% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 905188 CHARLOTTE, NC 282905188 | HARTFORD LIFE AND ACCIDENT | $970 | $44 | $1K | 3.14% |
| AON CONSULTING INC3 | 199 WATER STREET NEW YORK, NY 10038 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $675 | $0 | $675 | 27.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | PO BOX 905494 CHARLOTTE, NC 282905494 | COMBINED INSURANCE COMPANY OF AMERICA | $154 | $0 | $154 | 11.09% |
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 | 3,259 | 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. |
| Total participants (= "Plan participants" tile) | 3,259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 4,544 | $261K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,719 | $1.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,719 | $1.7M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,719 | $1.8M |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 3,719 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,544 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.