| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 29840 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $78K | — | $78K | 0.73% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (WESTERN STATES) INC | 180 HOWARD STREET SUITE 1100 SAN FRANCISCO, CA 94104 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $35K | $5K | $39K | 0.36% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY - EASTERN STATES | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | STANDARD INSURANCE COMPANY | $3K | $9K | $12K | 4.96% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.75% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - NASHVILLE | BLOCK B - SUITE 360 4020 ASPEN GROVE DR FRANKLIN, TN 37067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 5.12% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY WESTERN STAT | 180 HOWARD STREET STE 1100 SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.36% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY WESTERN STAT | 180 HOWARD STREET STE 1100 SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$20 | — | -$20 | -0.12% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - NASHVILLE | BLOCK B - SUITE 360 4020 ASPEN GROVE DRIVE FRANKLIN, TN 37067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $150 | $1K | 9.92% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY | 1920 N ST NW STE 400 WASHINGTON, DC 20036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $297 | — | $297 | 2.18% |
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 | 988 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 2,156 | $10.8M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 2,156 | $10.8M |
| Life insurance(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,418 | $413K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,009 | $145K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,418 | $397K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,156 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.