| 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 | $389K | $88K | $478K | 6.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW YORK | 29840 NETWORK PLACE BUILDING 201 CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $47K | $7K | $54K | 7.28% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 ST. LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.16% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.94% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $211 | $211 | 0.13% |
| HEWITT INSURANCE BROKERAGE LLC3 | 230 3RD AVE CITY POINT WALTHAM, MA 02451 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $928 | $5K | 6.75% |
| HEWITT INSURANCE BROKERAGE LLC3 | 230 3RD AVE CITY POINT WALTHAM, MA 02451 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 5.63% |
| HEWITT INSURANCE BROKERAGE LLC3 | 230 3RD AVE CITY POINT WALTHAM, MA 02451 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $245 | $1K | 6.75% |
| HEWITT INSURANCE BROKERAGE LLC3 | 230 3RD AVE CITY POINT WALTHAM, MA 02451 | UNUM LIFE INSURANCE COMPANY | $48 | $11 | $59 | 8.17% |
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 | 4,142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 5,531 | $37.7M |
| Dental | AETNA LIFE INSURANCE CO. | 5,531 | $37.7M |
| Vision | AETNA LIFE INSURANCE CO. | 5,531 | $37.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 6,285 | $740K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,158 | $7.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,158 | $7.1M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,158 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,158 | — |
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.