| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - CHICAGO | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $364K | — | $364K | 7.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 200 E RANDOLPH ST CHICAGO, IA 60601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $68K | $68K | 1.41% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | METLIFE LEGAL PLANS INC | $120K | $68K | $189K | 5.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORK SOLUTIONS | P.O BOX 14496 DES MONIES, IA 50306 | METLIFE LEGAL PLANS INC | — | $24 | $24 | 0.00% |
| AON CONSULTING INC3 | MERRITT 7 CORPORATE PARK BUILDING 201 NORWALK, CT 06851 | HARTFORD LIFE AND ACCIDENT | $36K | — | $36K | 7.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 ST. LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $37 | $37 | 0.01% |
| HEWITT INSURANCE BROKERAGE LLC3 | 230 3RD AVE CITY POINT WALTHAM, MA 02451 | FIRST UNUM LIFE INSURANCE COMPANY | $600 | — | $600 | 2.38% |
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 | 3,387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 6,294 | $19.9M |
| Dental | AETNA LIFE INSURANCE CO. | 4,140 | $19.4M |
| Vision | AETNA LIFE INSURANCE CO. | 4,140 | $19.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 6,294 | $485K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,582 | $4.9M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,582 | $4.9M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21,862 | $8.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,862 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.