| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | AON CONSULTING INC. 29840 NETWORK PLACE CHICAGO, IL 60673 | COMMUNITY INSURANCE COMPANY | $104K | — | $104K | 6.63% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | AON CONSULTING INC 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $7K | $1K | $9K | 17.29% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $56 | $56 | 0.11% |
| CUSTOM BENEFIT PROGRAMS INC3 | AN AON COMPANY PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $82 | $4K | 44.49% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 29.41% |
| CUSTOM BENEFIT PROGRAMS INC3 | AN AON COMPANY PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $66 | $3K | 38.90% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 16.80% |
| CUSTOM BENEFIT PROGRAMS INC3 | AN AON COMPANY PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $73 | $4K | 56.54% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 32.02% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 329 | $1.6M |
| Dental | COMMUNITY INSURANCE COMPANY | 329 | $1.6M |
| Vision | COMMUNITY INSURANCE COMPANY | 329 | $1.6M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 264 | $49K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 264 | $49K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 264 | $49K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 264 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.