| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 75 REMITTANCE DRIVE DEPT 1446 CHICAGO, IL 60675 | UNITED HEALTHCARE INSURANCE COMPANY | $100K | — | $100K | 4.27% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND ST STE 100 INDIANAPOLIS, IN 46240 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 0.36% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE 1446 ACCT 30215288 CHICAGO, IL 606750001 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $705 | $3K | 8.69% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC | 75 REMITTANCE DRIVE DEPT 1446 CHICAGO, IL 606751446 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $48 | $2K | 4.95% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND ST. STE 100 INDIANAPOLIS, IN 462404368 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $23 | $1K | 3.68% |
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 | 630 | 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) | 631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 516 | $2.4M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 516 | $2.4M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 516 | $2.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 626 | $40K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 626 | $40K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 626 | $40K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 626 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 626 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.