| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | DELTA DENTAL OF NORTH CAROLINA | $85K | — | $85K | 4.17% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $85K | — | $85K | 10.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $58K | — | $58K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1111 METROPOLITAN AVENUE SUITE 400 CHARLOTTE, NC 28204 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 1.13% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 172.95% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 139.21% |
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 | 4,011 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,043 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA | 17 | $170K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NORTH CAROLINA | 6,084 | $2.2M |
| Vision(2 contracts, 2 carriers) | VISION BENEFITS OF AMERICA | 2,648 | $434K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,212 | $790K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,338 | $850K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,197 | $647K |
| Prescription drug | HMSA | 17 | $170K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,212 | $790K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,084 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.