| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST | 4555 LAKE FOREST DR., STE 510 BLUE ASH, OH 45242 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $18K | $20K | 1.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | 6.52% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 0.60% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST | 75 REMITTANCE DRIVE 1446 CHICAGO, IL 606750001 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 10.81% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $166 | $7K | 10.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 6.73% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 3.26% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 35 | $311K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 118 | $67K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 258 | $1.2M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $114K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $114K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $114K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 35 | $311K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
No prospect flags tripped on this filing.