| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | 13901 SUTTON PARK DRIVE SOUTH BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $3K | $20K | 4.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 2.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | PO BOX 6650 METAIRIE, LA 70009 | AETNA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.50% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $10K | $49 | $10K | 2.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | AETNA LIFE INSURANCE COMPANY | $0 | $126 | $126 | 0.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $7K | $3K | $10K | 3.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 2.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $783 | $78 | $861 | 0.33% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | $0 | $481 | $481 | 0.18% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $24 | $24 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.32% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. OF FLORIDA | 13901 SUTTON PARK DRIVE SOUTH SUITE 360 JACKSONVILLE, FL 32224 | VISION SERVICE PLAN | $475 | $0 | $475 | 0.51% |
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 | 420 | 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) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,203 | $420K |
| Vision | VISION SERVICE PLAN | 364 | $93K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 420 | $462K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 420 | $261K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 420 | $722K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,203 | — |
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.