| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | C/O NORTHERN TRUST - DB CHICAGO, IL 60675 | DELTA DENTAL OF OHIO | $20K | — | $20K | 6.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1660 W 2ND ST SUITE 650 CLEVELAND, OH 44113 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 8.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.15% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $138 | $138 | 0.04% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON CO. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $3K | $21K | 29.16% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | 75 REMITTANCE DRIVE DEPT #1446 NORTHERN TRUST BANK CHICAGO, IL 606751446 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $112 | $7K | 11.06% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.63% |
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 | 608 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,074 | $321K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 844 | $67K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,244 | $319K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,244 | $319K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,244 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,244 | — |
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.