| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - NEW YORK | 298490 NETWORK PLACE CHICAGO, IL 60673 | UNITED HEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 4.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST. LOUIS | C/O BANK OF AMERICA PO BOX 505115 ST. LOUIS, MO 631505115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $9K | $18K | 2.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- NEW YORK | ONE LIBERTY PLAZA SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 0.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST. LOUIS | C/O BANK OF AMERICA PO BOX 505115 ST. LOUIS, MO 631505115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | $8K | $67K | 11.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- NEW YORK | ONE LIBERTY PLAZA SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 4.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST. LOUIS | C/O BANK OF AMERICA PO BOX 505115 ST. LOUIS, MO 631505115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $6K | $11K | 2.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- NEW YORK | ONE LIBERTY PLAZA SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $664 | — | $664 | 0.13% |
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 | 3,997 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,060 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 9,734 | $66K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 3,178 | $745K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,957 | $1.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,748 | $658K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,734 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,734 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.