| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $19K | — | $19K | 15.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $131K | $131K | 118.43% |
| AON CONSULTING INC3 | DBA AON CONSULTING OF NEW JERSEY 259 N RADNOR CHESTER RD RADNOR, PA 190875240 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 0.09% |
| AON CONSULTING INC3 | 30 WATERSIDE DR ATTN STEPHANIE ATTRUIA CORP ACCTG FARMINGTON, CT 060323069 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 0.12% |
| AON CONSULTING INC3 | 165 BROADWAY, SUITE 3201 NEW YORK, NC 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $5K | — | $5K | 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 | 626 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 20 | $544K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 20 | $544K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 20 | $544K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,002 | $111K |
| Short-term disability | UNIVERSAL LIFE INSURANCE COMPANY | 688 | $126K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 857 | $77K |
| Stop-loss / reinsurancereinsurance | MCS LIFE INSURANCE COMPANY | 589 | $126K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,002 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,002 | — |
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.