| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $121K | $121K | 1.57% |
| AON CONSULTING INC3 | DBA AON CONSULTING OF NEW JERSEY 259 N RADNOR CHESTER RD RADNOR, PA 190875240 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53 | $53 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING -CHICAGO | 200 E RANDOLPH ST CHICAGO, IL 60601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $56K | $56K | 1.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - CHICAGO | 200 E RANDOLPH ST CHICAGO, IL 60601 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 1.20% |
| 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% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - CHICAGO | 200 E RANDOLPH ST CHICAGO, IL 60601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $178 | $178 | 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 | 612 | 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) | 620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 32 | $895K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 32 | $895K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 32 | $895K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $7.7M |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 617 | $406K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $4.5M |
| Stop-loss / reinsurancereinsurance | MCS LIFE INSURANCE COMPANY | 590 | $113K |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 931 | $8.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 931 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.