| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 4 OVERLOOK PT LINCOLNSHIRE, IL 600694302 | HUMANA HEALTH PLAN, INC | $70K | — | $70K | 7.93% |
| AON CONSULTING INC3 | 8182 MARYLAND AVE SUITE 1500 SAINT LOUIS, MO 63105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 3.02% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 2.02% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 75 REMITTANCE DR STE 1446 CHICAGO, IL 60675 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 1.27% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE 1446 ACCT 30215288 CHICAGO, IL 606750001 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $8K | 3.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | — | $728 | $728 | 0.32% |
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 | 469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC | 437 | $883K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,571 | $226K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 487 | $304K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 487 | $304K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 487 | $304K |
| Stop-loss / reinsurancereinsurance | HUMANA HEALTH PLAN, INC | 437 | $883K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 487 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,571 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.