| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON HEWITT | 555 E LANCASTER AVENUE SUITE 300 RADNOR, PA 19087 | FOUR EVER LIFE INS. CO. | $46K | — | $46K | 3.00% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: INDEPENDENCE BLUE CROSS | 1901 MARKET STREET 10TH FLOOR PHILADELPHIA, PA 19103 | FOUR EVER LIFE INS. CO. | — | $15K | $15K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 3.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 3.50% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $46K | — | $46K | 16.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.50% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $2K | — | $2K | 10.01% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $541 | — | $541 | 7.71% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $578 | — | $578 | 9.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $160 | — | $160 | 6.93% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $184 | — | $184 | 10.01% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $52 | — | $52 | 9.90% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $41 | — | $41 | 9.98% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $36 | — | $36 | 9.81% |
| AON CONSULTING INC4 Filed as: AON HEWITT - RADNOR | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $34 | — | $34 | 10.49% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $24 | — | $24 | 7.55% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $2 | — | $2 | 11.76% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $48K | $52K | $99K | — |
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 | 3,164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 130 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FOUR EVER LIFE INS. CO. | 3,164 | $1.9M |
| Vision(11 contracts) | EYEMED VISION CARE | 24,564 | $325K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 5,419 | $0 |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,164 | $321K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,433 | $733K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,419 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,564 | — |
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.
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.