| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | HEALTH CARE SERVICE CORPORATION | $29K | — | $29K | 0.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 7300 RADNOR, PA 19087 | BLUEGRASS FAMILY HEALTH, INC. | $182K | — | $182K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES INC | 7272 INDIAN SCHOOL ROAD SUITE 220 SCOTTSDALE, AZ 85251 | AETNA LIFE INSURANCE CO. | $61K | — | $61K | 4.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $46K | — | $46K | 3.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | CALIFORNIA PHYSICIANS SERVICE | $47K | — | $47K | 5.00% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | — | $27K | 5.01% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR PA | PO BOX 905494 CHARLOTTE, NC 28290 | COMBINED INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 4.98% |
| BYHAMS INS SVS INC3 Filed as: BYHAMS INSURANCE | 1098 PARK AVENUE MEADVILLE, PA 16335 | UPMC HEALTH NETWORK INC. | $13K | — | $13K | 3.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 794381 DALLAS, TX 753794381 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 282905494 | VISION SERVICE PLAN | $3K | — | $3K | 5.00% |
| BYHAMS INS SVS INC3 | 1098 PARK AVENUE MEADVILLE, PA 16335 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.23% |
| LIFETIME FINANCIAL GROWTH3 | 244 BLVD OF THE ALLIES 6TH FLOOR PITTSBURGH, PA 15222 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| BYHAMS INS SVS INC3 Filed as: BYHAMS INSURANCE SERVICES INC | 1098 PARK AVENUE MEADVILLE, PA 16335 | VISION BENEFITS OF AMERICA | $347 | — | $347 | 7.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 555 EAST LANCASTER AVENUE SUITE 300 RADNOR, PA 19087 | DELTA DENTAL OF PENNSYLVANIA | $91 | — | $91 | 2.99% |
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 | 5,255 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 11 carriers) | HEALTH CARE SERVICE CORPORATION | 2,316 | $16.1M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,622 | $615K |
| Vision(4 contracts, 4 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 5,967 | $568K |
| Life insurance | AETNA LIFE INSURANCE CO. | 3,063 | $1.5M |
| Prescription drug | AETNA INTERNATIONAL | 8 | $53K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 3,063 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,967 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.