| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | PO BOX 955909 ST. LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $129 | $3K | 14.28% |
| LIBERTY INSURANCE SERVICES3 Filed as: LIBERTY INSURANCE AGENCY | 1910 COCHRAN ROAD PITTSBURGH, PA 15220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $273 | — | $273 | 1.37% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | PO BOX 955909 ST. LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $242 | $3K | 16.36% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | PO BOX 955909 ST. LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $237 | $22 | $259 | 16.39% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 533 | $31K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 283 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $20K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 283 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 533 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.