| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA HEALTH, INC. | $41K | — | $41K | 2.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $36K | — | $36K | 2.67% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $24K | $48K | 3.65% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 0.50% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 3.47% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR PA | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $12K | — | $12K | 4.97% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR PA | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $130 | — | $130 | 5.17% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF PENNSYLVANIA | $45 | — | $45 | 2.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 SERVICE PROVIDER | Claims processing Service code 12 | — | $710K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 SERVICE PROVIDER | Claims processing Service code 12 | — | $62K |
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 | 2,428 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 3 | $2K |
| Vision(2 contracts) | EYEMED VISION CARE | 3,446 | $245K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,205 | $1.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,283 | $399K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,205 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,446 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.