| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | MERRITT 7 BUILDING 201 NORWALK, CT 06851 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 0.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | MERRITT 7 BUILDING 201 NORWALK, CT 06851 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 0.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | MERRITT 7 BUILDING 201 NORWALK, CT 06851 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $964 | $964 | 0.64% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGIO, IL 60673 | METLIFE LEGAL PLANS | $5K | $683 | $6K | 13.58% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | D/B/A AON CONSULTING OF NEW JERSEY PO BOX 905494 CHARLOTTE, NC 282905494 | METLIFE LEGAL PLANS | — | $77 | $77 | 0.18% |
| AON CONSULTING INC3 | DBA AON CONSULTING OF NEW JERSEY 45 GLOVER AVENUE NORWALK, CT 06850 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $3K | — | $3K | 15.00% |
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 | 1,768 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 423 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNICARE LIFE & HEALTH INSURANCE COMPANY | 280 | $973K |
| Vision | DAVIS VISION | 3,285 | $167K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,651 | $1.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,615 | $587K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,768 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,651 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.