| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $46K | $18K | $64K | 6.98% |
| EMPRYEAN INSURANCE SERVICES3 Filed as: EMPRYEAN INSURANCE SERVICES, INC | 9009 WEST LOOP S SUITE 600 HOUSTON, TX 77096 | RELIASTAR LIFE INSURANCE COMPANY | — | $18K | $18K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RADNOR | 555 E LANCASTER AVENUE RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $6K | $31K | 6.25% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $112 | $21K | 5.04% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.51% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.27% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR | 29840 NETWORK PLACE CHICAGO, IL 606731288 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE COMPANY AMERICA | $14K | — | $14K | 5.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $7K | $567 | $8K | 10.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | ATTN STEPHANIE ATTRUIA CORP ACCTG 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | — | $382 | $382 | 0.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RADNOR | 555 E LANCASTER AVENUE RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $651 | $4K | 7.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RADNOR | 555 E LANCASTER AVENUE RADNOR, PA 19087 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $556 | $5K | 11.66% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR, PA | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE COMPANY AMERICA | $148 | — | $148 | 5.10% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $112 | $112 | — |
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 | 2,326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE COMPANY AMERICA | 3,700 | $275K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,788 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 502 | $97K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,653 | $496K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,788 | $995K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,700 | — |
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.