| 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 | $97K | $61K | $158K | 3.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 625 LIBERTY AVE FL 10 PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $125K | $95 | $125K | 3.52% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | — | $65K | $65K | 1.83% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $88K | — | $88K | 7.92% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $26K | $48K | 4.97% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DRIVE ATTN CLIENT COMPENSATION DEPT SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $4K | $21K | 2.21% |
| WILLIAM BEAR3 | 12 GEORGETOWN COURT ALGONQUIN, IL 601026284 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 0.47% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $123K | — | $123K | 30.46% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY FINANCIAL GROUP INC | FOUR PPG PLACE SUITE PITTSBURGH, PA 15222 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $23K | $43K | 13.23% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 0.56% |
| ANTHONY M PERRICELLI3 | FOUR GATEWAY CENTER 444 LIBERTY AVENUE SUITE PITTSBURGH, PA 15222 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.37% |
| 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 | $14K | — | $14K | 28.40% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 27.22% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 32.09% |
| ANTHONY M PERRICELLI3 | FOUR GATEWAY CENTER 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $51 | — | $51 | 3.13% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $32 | $32 | 1.97% |
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 | 3,655 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 61 | $1.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,042 | $4.7M |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 1,669 | $157K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,042 | $4.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,157 | $4.9M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,157 | $4.9M |
| Other(9 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,042 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,042 | — |
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.