| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 2.11% |
| AON CONSULTING INC3 | 5 TRIAD CENTER SUITE 525 SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 0.21% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 2.25% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 606731298 | ALPHA DENTAL PROGRAMS, INC. | $2K | — | $2K | 3.01% |
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 | 1,827 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,855 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC. | 2,071 | $1.5M |
| Vision(2 contracts) | EYEMED VISION CARE | 4,136 | $224K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,904 | $570K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,902 | $441K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,107 | $582K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,136 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.