| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $113 | $15K | 7.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $403 | $403 | 0.20% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 3.39% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 4555 LAKE FOREST DR. STE 510 BLUE ASH, OH 45242 | UNITEDHEALTHCARE INSURANCE COMPANY | $825 | — | $825 | 2.13% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | 950 MAIN AVENUE SUITE 1600 CLEVELAND, OH 44113 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $225 | — | $225 | 10.00% |
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 | 320 | 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) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $2K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,579 | $39K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 799 | $197K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 799 | $197K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 799 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,579 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.