| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $231K | $231K | 2.10% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 1.83% |
| AON CONSULTING INC3 Filed as: AON UNITED | 1111 METROPOLITAN AVENUE #400 CHARLOTTE, NC 28204 | DELTA DENTAL OF NJ, INC. | $19K | — | $19K | 2.27% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $154 | $7K | 5.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - NJ | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $77 | $3K | 2.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $156 | $2K | 1.98% |
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 | 563 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 899 | $11.0M |
| Dental | DELTA DENTAL OF NJ, INC. | 1,609 | $859K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,700 | $123K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 534 | $1.2M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 534 | $1.2M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 534 | $1.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 534 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,700 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.