| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. | 13901 SUTTON PARK DRIVE BUILDING C JACKSONVILLE, FL 32224 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $21K | $164K | $185K | 5.38% |
| REFINED BENEFITS DBA SULLIVAN3 | 1105 NIKKI VIEW DRIVE BRANDON, FL 33511 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | -$22K | -$22K | -0.65% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DRIVE SOUTH SUITE 360 JACKSONVILLE, FL 32224 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $59 | $59 | 0.17% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 4 OVERLOOK PT. LINCOLNSHIRE, IL 600694302 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.13% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DRIVE SOUTH SUITE 360 JACKSONVILLE, FL 32224 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $62 | $62 | 0.24% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DRIVE SOUTH SUITE 360 JACKSONVILLE, FL 32224 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $41 | $41 | 0.21% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DRIVE SOUTH SUITE 360 JACKSONVILLE, FL 32224 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $32 | $32 | 0.20% |
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 | 410 | 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) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 478 | $3.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 478 | $3.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 249 | $28K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 297 | $55K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $26K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 229 | $16K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 297 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.