| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - BETHESDA | P.O. BOX 905494 CHARLOTTE, NC 282905494 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $30K | $0 | $30K | 3.76% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 282905494 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $31K | $13K | $43K | 6.59% |
| AON CONSULTING INC0 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $6K | $6K | 0.95% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $6K | $0 | $6K | 0.86% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 28290 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28K | $0 | $28K | 10.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33K | $0 | $33K | 13.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 28290 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.76% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES JAY R. HILL, JR. | 7021 MARSEILLES COURT SUMMERFIELD, NC 27358 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.55% |
| JAMES R HILL JR3 Filed as: JAMES R. HILL, JR. | 7021 MARSEILLES COURT SUMMERFIELD, NC 27358 | CONTINENTAL AMERICAN INSURANCE COMPANY | $325 | $0 | $325 | 0.13% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | $0 | $128 | 0.05% |
| FRANKLIN TRAVIS BLACK3 | 5981 WOODFIELD DRIVE KERNERSVILLE, NC 27284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | $0 | $126 | 0.05% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M. MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | $0 | $63 | 0.03% |
| ELIZABETH CUSHING3 | 9 WATER GARDEN WAY DURHAM, NC 27713 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | $0 | $63 | 0.03% |
| BRANDON C ADAMS3 Filed as: BRANDON C. ADAMS | 6402 BIRKDALE DRIVE GREENSBORO, NC 27410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT - WASHINGTON, DC | 29840 NETWORK PLACE CHICAGO, IL 606731298 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 28290 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 21.86% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 28290 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $187 | $0 | $187 | 11.59% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CLAIMS PROCESSOR | Claims processing Service code 12 | 100 PARSONS POND DRIVE FRANKLIN LAKES, NJ 07417 | $2.4M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 6095 MARSHALEE DRIVE ELKRIDGE, MD 21075 | $1.1M |
| AON CONSULTING - AHRC BROKER | Other commissions Service code 55 | P.O. BOX 905494 CHARLOTTE, NC 282905494 | $0 |
| AON CONSULTING INC. - FAIRFAX EIN 22-2232264 BROKER | Other commissions Service code 55 | P.O. BOX 905494 CHARLOTTE, NC 282905494 | $0 |
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 | 1,511 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERSITY HEALTH ALLIANCE | 11 | $68K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,070 | $795K |
| Vision(3 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,858 | $195K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,419 | $657K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 27 | $26K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,140 | $260K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 11 | $68K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,191 | $355K |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,109 | $938K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,140 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.