| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955909 LOCKBOX 955909 ST. LOUIS, MO 63195 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $72K | $72K | 3.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 625 LIBERTY AVENUE 10TH FLOOR PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $79K | — | $79K | 4.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 8182 MARYLAND AVENUE SUITE 1500 SAINT LOUIS, MO 63105 | HIGHMARK WESTERN NEW YORK | $39K | — | $39K | 2.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 625 LIBERTY AVENUE 10TH FLOOR PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 7.49% |
| AON CONSULTING INC3 | 44 WHIPPANY ROAD MORRISTOWN, NJ 07960 | EXCELLUS BLUE CROSS BLUE SHIELD | $10K | — | $10K | 4.00% |
| AON CONSULTING INC3 | PO BOX 7247-6377 PHILADELPHIA, PA 19170 | HARTFORD LIFE AND ACCIDENT | $63K | — | $63K | 37.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.95% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $240 | $240 | 0.14% |
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 | 695 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 708 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 282 | $6.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 778 | $488K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 778 | $488K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 778 | $658K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 778 | $658K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 778 | $488K |
| Prescription drug(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 282 | $6.0M |
| Other(3 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 778 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 778 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.