| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH LIFE INSURANCE COMPANY | $59K | — | $59K | 4.57% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | $3K | $35K | 7.61% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | $3K | $33K | 7.60% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $2K | $24K | 7.60% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 4130 PARKLAKE AVENUE SUITE 110 RALEIGH, NC 27612 | ZURICH AMERICAN INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $339 | $4K | 7.60% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMBINED INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.83% |
| GREENLEAF INSURANCE AGENCY3 | 43385 BUSINESS PARK DRIVE SUITE 160 TEMECULA, CA 92590 | COMBINED INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.83% |
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 | 1,230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH LIFE INSURANCE COMPANY | 373 | $1.3M |
| Dental | CIGNA HEALTH LIFE INSURANCE COMPANY | 373 | $1.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,825 | $430K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,192 | $458K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,192 | $321K |
| Other(5 contracts, 5 carriers) | CIGNA HEALTH LIFE INSURANCE COMPANY | 1,303 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,825 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.