| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $0 | $23K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | PO BOX 905494 CHARLOTTE, NC 282905494 | AETNA LIFE INSURANCE CO. | $17K | $0 | $17K | 5.02% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | HARTFORD LIFE AND ACCIDENT | $15K | $3K | $18K | 6.64% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 3000 TOWN CENTER SUITE 3000 SOUTHFIELD, MI 48075 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.93% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 28290 | HARTFORD LIFE AND ACCIDENT | $681 | $21 | $702 | 15.46% |
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 | 450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 1,168 | $345K |
| Vision | VISION SERVICE PLAN | 325 | $79K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 450 | $466K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 401 | $273K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 450 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,168 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.