| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - RADNOR | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $13K | $27K | 2.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 555 E. LANCASTER AVENUE SUITE 300 RADNOR, PA 19087 | KEYSTONE HEALTH PLAN EAST | $40K | — | $40K | 4.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RADNOR | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $3K | $44K | 16.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RADNOR | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 5.94% |
| AON CONSULTING INC3 | 555 E. LANCASTER AVENUE SUITE 300 RADNOR, PA 19087 | INDEPENDENCE BLUE CROSS | $811 | — | $811 | 3.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 555 E. LANCASTER AVENUE SUITE 300 RADNOR, PA 19087 | AMERIHEALTH HMO, INC. | $411 | — | $411 | 3.02% |
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 | 993 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 92 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,085 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 1,509 | $12.9M |
| Dental(2 contracts) | DELTA DENTAL OF PENNSYLVANIA | 1,559 | $700K |
| Vision | INDEPENDENCE BLUE CROSS | 1,509 | $12.0M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,072 | $381K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 993 | $1.0M |
| Prescription drug | INDEPENDENCE BLUE CROSS | 1,509 | $12.0M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,100 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,559 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.