| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - CHICAGO | 200 E RANDOLPH STREET CHICAGO, IL 60601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $263K | $81K | $345K | 5.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW YORK | 29840 NETWORK PLACE BUILDING 201 CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $51K | $18K | $69K | 11.06% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 ST. LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.36% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $198 | $198 | 0.12% |
| HEWITT INSURANCE BROKERAGE LLC3 | 230 3RD AVE CITY POINT WALTHAM, MA 02451 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $917 | $5K | 6.75% |
| HEWITT INSURANCE BROKERAGE LLC3 | 230 3RD AVE CITY POINT WALTHAM, MA 02451 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 10.53% |
| HEWITT INSURANCE BROKERAGE LLC3 | 230 3RD AVE CITY POINT WALTHAM, MA 02451 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $769 | $235 | $1K | 5.33% |
| HEWITT INSURANCE BROKERAGE LLC3 | 230 3RD AVE CITY POINT WALTHAM, MA 02451 | UNUM LIFE INSURANCE COMPANY | $180 | $44 | $224 | 9.96% |
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 | 4,071 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 7,055 | $32.6M |
| Dental | AETNA LIFE INSURANCE CO. | 5,450 | $32.0M |
| Vision | AETNA LIFE INSURANCE CO. | 5,450 | $32.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,055 | $626K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,313 | $6.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,313 | $6.4M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,313 | $6.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,313 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.