| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: FULCRO INSURANCE | PO BOX 9024048 SAN JUAN, PR 009024048 | UNIVERSAL LIFE INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $109K | $159K | 145.03% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731296 | METROPOLITAN LIFE INSURANCE COMPANY | — | $111 | $111 | 0.10% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $70K | $148K | $218K | 199.64% |
| AON CONSULTING INC3 | DBA AON CONSULTING OF NEW JERSEY 259 N RADNOR CHESTER RD RADNOR, PA 190875240 | METROPOLITAN LIFE INSURANCE COMPANY | — | $111 | $111 | 0.10% |
| AON CONSULTING INC3 | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $8K | — | $8K | 20.00% |
| AON CONSULTING INC3 | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $5K | — | $5K | 20.00% |
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 | 622 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 47 | $271K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 47 | $271K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 47 | $271K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 945 | $109K |
| Short-term disability | UNIVERSAL LIFE INSURANCE COMPANY | 644 | $140K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 441 | $110K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 945 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 945 | — |
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.