| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40 | $40 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | PO BOX 905494 CHARLOTTE, NC 28290 | HARTFORD LIFE AND ACCIDENT | — | $21K | $21K | 0.49% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 3000 TOWN CENTER STE 3000 SOUTHFIELD, MI 48075 | HARTFORD LIFE AND ACCIDENT | — | $17K | $17K | 0.40% |
| RETENTION STRATEGIES INSURANCE CORP3 Filed as: RETENTION STRATEGIES AGENCY, CO | 409 CALLE SAN JORGE SUITE 201 SAN JUAN, PR 00912 | TRIPLE S SALUD, INC. | $42K | — | $42K | 1.65% |
| RETENTION STRATEGIES INSURANCE CORP3 Filed as: RETENTION STRATEGIES AGENCY, CO | 409 CALLE SAN JORGE SUITE 201 SAN JUAN, PR 00912 | UNIVERSAL LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
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 | 609 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC. | 621 | $2.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $7.5M |
| Short-term disability | UNIVERSAL LIFE INSURANCE COMPANY | 644 | $103K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 0 | $4.2M |
| Prescription drug | TRIPLE S SALUD, INC. | 621 | $2.5M |
| Stop-loss / reinsurancereinsurance | TRIPLE S SALUD, INC. | 621 | $2.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 609 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.