| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 7200 NW 19TH STREET SUITE 206 MIAMI, FL 331261225 | BLUE CROSS BLUE SHIELD OF FLORIDA | $93K | — | $93K | 3.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | $10K | — | $10K | 6.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING IND | 200 E RANDOLPH STREET 10TH FLOOR CHICAGO, IL 60601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.74% |
| ALLIANCE FINANCIAL GROUP3 | 14021 METROPOLIS AVENUE FORT MEYERS, FL 33912 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $51 | — | $51 | 0.08% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $151 | — | $151 | 9.25% |
| VESTAMERICA INC3 | 8639 NW 2ND LANE MIAMI, FL 33126 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $125 | — | $125 | 7.65% |
| AON CONSULTING INC3 Filed as: AON CONSULTING MIAMI | 1001 BRICKELL BAY DRIVE FLOOR 10 MIAMI, FL 33131 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $33 | — | $33 | 2.02% |
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 | 558 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 544 | $3.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | 349 | $222K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | 349 | $222K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 40 | $65K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1 | $2K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 40 | $65K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 544 | $3.1M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 40 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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."
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.