| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $59K | $90 | $59K | 4.03% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVENUE FLOOR 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $9K | $31K | 2.14% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18K | $18K | 1.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RADNOR | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $6K | $30K | 5.56% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $5K | $16K | 3.01% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR | 29840 NETWORK PLACE CHICAGO, IL 606731288 | EYEMED VISION CARE | $14K | — | $14K | 4.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RADNOR | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | -$2K | $2K | 2.65% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $828 | $412 | $1K | 2.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RADNOR | PO BOX 905494 CHARLOTTE, NC 282905494 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $24 | $2K | 14.06% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | FIRST UNUM LIFE INSURANCE COMPANY | $222 | $29 | $251 | 1.92% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $90 | $90 | 0.98% |
| BENEFITMALL3 | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13 | $13 | 0.38% |
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 | 2,262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 182 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 3,897 | $296K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,647 | $1.5M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 517 | $71K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,718 | $533K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,647 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,647 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.