| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMMUNITY INSURANCE COMPANY (G1728) DBA ANTHEM BLUE CROSS AND BLUE SHI | $0 | $2K | $2K | 0.19% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | 200 E. RANDOLPH ST, 13S12A CHICAGO, IL 60601 | DELTA DENTAL OF OHIO | $10K | — | $10K | 4.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC | 1660 W 2ND ST SUITE 650 CLEVELAND, OH 44113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $886 | $8K | 9.49% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC | 1660 W 2ND ST SUITE 650 CLEVELAND, OH 44113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $436 | $91 | $527 | 6.05% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | 200 E. RANDOLPH ST, 13S12A CHICAGO, IL 60601 | DELTA DENTAL OF OHIO | $251 | — | $251 | 4.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY (G1728) EIN 31-1440175 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Float revenue; Other fees; Contract Administrator Service code 12 | 3350 PEACHTREE ROAD POB 30302-445 ATLANTA, GA 303261039 | $365K |
| AON RISK SERVICES NORTHEAST INC EIN 31-1440175 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 1660 W SECOND ST #650 CLEVELAND, OH 44113 | $0 |
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 | 504 | 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) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF OHIO | 684 | $208K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 713 | $84K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 713 | $84K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY (G1728) DBA ANTHEM BLUE CROSS AND BLUE SHI | 825 | $928K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 713 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 825 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.