| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $2.4M | $116K | $2.5M | 23.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $18K | $18K | 0.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $92 | $92 | 1.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $23 | $23 | 0.37% |
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 | 10,117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 277 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 512 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,906 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 579 | $4.9M |
| Dental | ALPHA DENTAL OF ALABAMA, INC. | 410 | $61K |
| Vision | VISION SERVICE PLAN | 10,929 | $1.7M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 17,303 | $10.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 14,770 | $10.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 14,770 | $10.6M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 579 | $4.9M |
| Other(3 contracts) | HARTFORD LIFE AND ACCIDENT | 14,770 | $10.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,303 | — |
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.