| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HARTFORD LIFE AND ACCIDENT | $76K | — | $76K | 15.50% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 08875 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 1.72% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 1.57% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $886 | $886 | 0.18% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | UNITED CONCORDA INSURANCE COMPANY | $31K | $373 | $32K | 9.32% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | PITTSBURGH 625 LIBERTY AVENUE, FLOOR 10 PITTSBURGH, PA 152223110 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.02% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $958 | $958 | 2.00% |
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 | 681 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDA INSURANCE COMPANY | 947 | $342K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 396 | $48K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 446 | $488K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 446 | $488K |
| Other | HARTFORD LIFE AND ACCIDENT | 446 | $488K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 947 | — |
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.