| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | C O NORTHERN TRUST BANK 75 REMITTANCE DR., SUITE 1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $312 | $312 | 0.87% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | C O NORTHERN TRUST BANK 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $115 | $115 | 0.81% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | C/O NORTHERN TRUST BANK 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $49 | $49 | 0.89% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET 12TH FLOOR NEW YORK, NY 10038 | FEDERAL INSURANCE COMPANY | $810 | — | $810 | 20.00% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 358 | $69K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 144 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $36K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 73 | $14K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 358 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
No prospect flags tripped on this filing.