| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, NC 60673 | AETNA LIFE INSURANCE CO. | $211K | $0 | $211K | 1.70% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | AETNA LIFE INSURANCE CO. | $74K | $0 | $74K | 0.60% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF NEW YORK | $31K | $0 | $31K | 3.57% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF NEW YORK | $5K | $0 | $5K | 0.53% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $58K | $0 | $58K | 10.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $23K | $0 | $23K | 12.94% |
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 | 2,071 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,083 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 2,365 | $12.4M |
| Dental | DELTA DENTAL OF NEW YORK | 1,755 | $866K |
| Vision | AETNA LIFE INSURANCE CO. | 2,365 | $12.4M |
| Life insurance | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 2,071 | $176K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 2,086 | $756K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 2,086 | $756K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 2,365 | $12.4M |
| Other | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 2,071 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,365 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.