| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $3K | $16K | 3.22% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. | 13901 SUTTON PARK DRIVE BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 2.08% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $21K | $2K | $23K | 5.40% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $13K | $4K | $17K | 5.85% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | $0 | $877 | $877 | 0.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $784 | $89 | $873 | 0.30% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC OF FLORIDA | 13901 SUTTON PARK DRIVE SOUTH SUITE 360 JACKSONVILLE, FL 32224 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.69% |
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 | 464 | 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) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,204 | $421K |
| Vision | VISION SERVICE PLAN | 352 | $92K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 464 | $486K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 473 | $292K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 473 | $778K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,204 | — |
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.