| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - PITTSBURGH | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $99K | $62K | $161K | 3.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 625 LIBERTY AVE FL 10 PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $107K | $55 | $107K | 2.99% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | — | $51K | $51K | 1.43% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $80K | — | $80K | 8.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $6K | $27K | 2.76% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DRIVE ATTN CLIENT COMPENSATION DEPT SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 1.60% |
| WILLIAM BEAR3 | 12 GEORGETOWN COURT ALGONQUIN, IL 601026284 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 0.53% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY FINANCIAL GROUP INC | FOUR PPG PLACE, SUITE 600 PITTSBURGH, PA 15222 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29K | $22K | $51K | 11.42% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3K | $3K | 0.68% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $113K | — | $113K | 29.67% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | — | $18K | 35.54% |
| AON CONSULTING INC3 Filed as: AON | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | ACE AMERICAN INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 32.06% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 36.01% |
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 | 3,534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 60 | $1000K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,984 | $4.6M |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 1,512 | $158K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,984 | $4.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,067 | $5.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,067 | $5.0M |
| Other(9 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,984 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,984 | — |
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.