| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $130K | $96K | $226K | 5.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 1700 EAST PUTNAM AVENUE OLD GREENWICH, CT 06870 | SYMETRA LIFE INSURANCE COMPANY | $268K | — | $268K | 14.00% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE, LLC | 100 HALF DAY ROAD LINCOLNSHIRE, IL 60069 | SUN LIFE AND HEALTH INSURANCE COMPANY | $24K | — | $24K | 4.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | FOUR EVER LIFE INS CO. | $3K | $2K | $4K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 NONE | Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $2.4M |
| EXPRESS SCRIPTS, INC. EIN 86-0754726 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $92K |
| VISION SERVICE PLAN EIN 22-2777159 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $42K |
| BUSINESSOLVER.COM, INC. EIN 42-1503807 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $30K |
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 | 2,697 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 136 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,839 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 2,697 | $44K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 6,286 | $4.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,286 | $4.1M |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,697 | $569K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,697 | $569K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 3,460 | $1.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 6,286 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,286 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.