| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 445 HUTCHINSON AVENUE COLUMBUS, OH 43235 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 14.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - COLUMBUS | 445 HUTCHINSON AVENUE COLUMBUS, OH 43235 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 8.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 445 HUTCHINSON AVENUE COLUMBUS, OH 43235 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - COLUMBUS | 445 HUTCHINSON AVENUE COLUMBUS, OH 43235 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 11.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | — | $15K | 9.11% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BLVD NASHVILLE, TN 37214 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 5.44% |
| AON CONSULTING INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.37% |
| ROBERT A STEWART JR.3 | 4 KRUG CIR APT 4A CINCINNATI, OH 45121 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BLVD NASHVILLE, TN 37214 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.18% |
| AON CONSULTING INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.89% |
| ROBERT A STEWART JR.3 | 4 KRUG CIR APT 4A CINCINNATI, OH 45212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $630 | — | $630 | 2.36% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 26 CENTURY BLVD NASHVILLE, TN 37214 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 42.72% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BLVD NASHVILLE, TN 37214 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.07% |
| STEWART, ROBERT A | 4 KRUG CIR APT 4A CINCINNATI, OH 45212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 49.60% |
| AON CONSULTING INC Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 18.97% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BLVD NASHVILLE, TN 37214 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $348 | — | $348 | 2.46% |
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 | 702 | 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) | 714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 667 | $488K |
| Long-term disability(7 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 687 | $535K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 936 | $567K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 936 | — |
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.