| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $46K | $28K | $75K | 8.04% |
| EMPRYEAN INSURANCE SERVICES3 Filed as: EMPRYEAN INSURANCE SERVICES, INC | 9009 WEST LOOP STREET SUITE 600 HOUSTON, TX 77096 | RELIASTAR LIFE INSURANCE COMPANY | — | $13K | $13K | 1.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RADNOR | 555 E LANCASTER AVENUE RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $7K | $34K | 5.76% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $55 | $25K | 7.26% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 2.75% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $753 | $753 | 0.22% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR | 29840 NETWORK PLACE CHICAGO, IL 606731288 | EYEMED VISION CARE | $17K | — | $17K | 5.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RADNOR | 555 E LANCASTER AVENUE RADNOR, PA 19087 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $676 | $6K | 9.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RADNOR | 555 E LANCASTER AVENUE RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $671 | $4K | 7.03% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $55 | $55 | 0.60% |
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 | 2,047 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 3,973 | $324K |
| Life insurance(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,788 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 498 | $117K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,665 | $582K |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,788 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,973 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.