| 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 | — | $7K | $7K | 0.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | MERRITT 7 BUILDING 201 NORWALK, CT 06851 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 0.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | MERRITT 7 BUILDING 201 NORWALK, CT 06851 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.65% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $5K | $843 | $6K | 12.68% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET SUITE 900 CHICAGO, IL 60601 | METLIFE LEGAL PLANS | — | $57 | $57 | 0.12% |
| 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 | — | $55 | $55 | 0.11% |
| AON CONSULTING INC3 | MERRITT 7 CORPORATE PARK BUILDING 201 NORWALK, CT 06851 | 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 | 1,725 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 287 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DAVIS VISION | 3,269 | $166K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,632 | $1.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,593 | $671K |
| Prescription drug | UNICARE LIFE & HEALTH INSURANCE COMPANY | 204 | $857K |
| Other(4 contracts, 4 carriers) | UNICARE LIFE & HEALTH INSURANCE COMPANY | 3,396 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,632 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.