| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HEALTH CARE SERVICE CORPORATION | — | $14K | $14K | 0.12% |
| IMA, INC.3 | 430 E DOUGLAS AVE SUITE 400 WICHITA, KS 672023408 | HEALTH CARE SERVICE CORPORATION | — | $43 | $43 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 1.11% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.16% |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 14.69% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.31% |
| IMA, INC.3 | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | ZURICH AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.07% |
| AON CONSULTING INC3 | 5555 SAN FELIPE, SUITE 1500 HOUSTON, TX 77056 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.93% |
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 | 540 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 1,506 | $11.3M |
| Dental | HEALTH CARE SERVICE CORPORATION | 1,506 | $11.3M |
| Vision | VISION SERVICE PLAN | 490 | $72K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,058 | $868K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,058 | $868K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,058 | $868K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 1,506 | $11.3M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,058 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,506 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.