| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AETNA LIFE INSURANCE COMPANY | — | $9K | $9K | 0.37% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $6K | $16K | 11.97% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NE INC. | PO BOX 955909 ST. LOUIS, MO 63195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 8940 LYRA DR., STE. 250 COLUMBUS, OH 43240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $10K | $21K | 15.83% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | PO BOX 955909 ST. LOUIS, MO 63195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 8940 LYRA DR., STE. 250 COLUMBUS, OH 43240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $10K | $26K | 19.41% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | PO BOX 955909 ST. LOUIS, MO 63195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.74% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 8940 LYRA DR., STE. 250 COLUMBUS, OH 43240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.52% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $6K | 16.38% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | PO BOX 955909 ST. LOUIS, MO 63195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $498 | — | $498 | 1.47% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 8940 LYRA DR., STE. 250 COLUMBUS, OH 43240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $477 | — | $477 | 1.41% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $704 | $2K | 11.62% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | PO BOX 955909 ST. LOUIS, MO 63195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $213 | — | $213 | 1.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 8940 LYRA DR., STE. 250 COLUMBUS, OH 43240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $186 | — | $186 | 0.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 18.67% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | PO BOX 955909 ST. LOUIS, MO 63195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $238 | — | $238 | 1.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 8940 LYRA DR., STE. 250 COLUMBUS, OH 43240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $233 | — | $233 | 1.45% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY NE STE 700 ATLANTA, GA 30328 | SYMETRA LIFE INSURANCE COMPANY | $666 | — | $666 | 4.92% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST 24TH FLOOR CINCINNATI, OH 45202 | SYMETRA LIFE INSURANCE COMPANY | — | $217 | $217 | 1.60% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DR. MINNETONKA, MN 55343 | SYMETRA LIFE INSURANCE COMPANY | — | $162 | $162 | 1.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 165 BROADWAY STE 3201 NEW YORK, NY 10006 | SYMETRA LIFE INSURANCE COMPANY | $123 | — | $123 | 0.91% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $668 | — | $668 | 7.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $211 | $91 | $302 | 3.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E RANDOLPH ST. CHICAGO, IL 60601 | METLIFE LEGAL PLANS | — | $6 | $6 | 0.07% |
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 | 997 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 748 | $2.5M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $138K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 325 | $19K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 900 | $148K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 810 | $132K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 82 | $34K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 748 | $2.5M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 900 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 900 | — |
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.