| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $79 | $79 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - CHICAGO | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $55K | $55K | 1.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - CHICAGO | PO BOX 905494 CHARLOTTE, NC 282905494 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 0.64% |
| RETENTION STRATEGIES INSURANCE CORP3 Filed as: RETENTION STRATEGIES INS AGENCY, CO | 409 CALLE SAN JORGE SUITE 201 SAN JUAN, PR 00912 | UNIVERSAL LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| RETENTION STRATEGIES INSURANCE CORP3 Filed as: RETENTION STRATEGIES INS AGENCY, CO | 409 CALLE SAN JORGE SUITE 201 SAN JUAN, PR 00912 | TRIPLE S SALUD, INC. | $59K | — | $59K | 58.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - CHICAGO | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $149 | $149 | 1.25% |
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 | 592 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 590 | $811K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 99 | $710K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 99 | $710K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $8.0M |
| Short-term disability(2 contracts, 2 carriers) | UNIVERSAL LIFE INSURANCE COMPANY | 633 | $126K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,106 | $4.7M |
| Prescription drug | TRIPLE S SALUD, INC. | 590 | $101K |
| Stop-loss / reinsurancereinsurance | TRIPLE S SALUD, INC. | 590 | $101K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 601 | $8.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,106 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.