| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 1.94% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $87 | $87 | 0.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | 13902 SUTTON PARK DRIVE BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$18 | -$124 | -$142 | — |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 299 | $0 |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 299 | $0 |
| Vision | HM LIFE INSURANCE COMPANY | 225 | $18K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 315 | $250K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 315 | $250K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 315 | $250K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 315 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.