| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - NEWARK NJ | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | $78K | $108K | 1.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC- NEWARK NJ | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$16 | -$16 | -0.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | ASSURITY LIFE INSURANCE COMPANY | $21K | — | $21K | 13.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 425 MARKET STREET STE 2800 SAN FRANCISCO, CA 94105 | ASSURITY LIFE INSURANCE COMPANY | $14K | — | $14K | 8.76% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INS SVCS | 2277 FAIR OAKS BLVD # 250 SACRAMENTO, CA 95825 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $2K | — | $2K | 2.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INS SVCS | 2277 FAIR OAKS BLVD # 250 SACRAMENTO, CA 95825 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.96% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INS SVCS | 2277 FAIR OAKS BLVD # 250 SACRAMENTO, CA 95825 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $921 | $921 | 1.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INS SVCS | 2277 FAIR OAKS BLVD # 250 SACRAMENTO, CA 95825 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.81% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $864 | $864 | 1.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INS SVCS | 2277 FAIR OAKS BLVD # 250 SACRAMENTO, CA 95825 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $392 | $392 | 1.97% |
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 | 903 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 917 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,322 | $10.1M |
| Vision | VISION SERVICE PLAN | 631 | $113K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 903 | $179K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 903 | $90K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 903 | $48K |
| Other(3 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 903 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,322 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.