| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 30 WATERSIDE DRIVE ATTN STEPHANIE ATTRUIA CORP ACCOUNT FARMINGTON, CT 06032 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $97K | — | $97K | 6.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | $28K | $28K | 1.72% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | $16K | $16K | 0.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 E RANDOLPH ST SUITE 900 CHICAGO, IL 60601 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | $2K | $2K | 0.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 30 WATERSIDE DRIVE ATTN STEPHANIE ATTRUIA CORP ACCOUNT FARMINGTON, CT 06032 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | $55 | $55 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | SIRIUS AMERICA INSURANCE COMPANY | $754 | — | $754 | 8.00% |
| MHA INSURANCE AGENCY3 | 500 DISTRICT AVENUE BURLINGTON, MA 01803 | SIRIUS AMERICA INSURANCE COMPANY | $471 | — | $471 | 5.00% |
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 | 158,500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,220 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 159,720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 149,593 | $15.2M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 134,432 | $23.7M |
| Short-term disability(3 contracts) | HARTFORD LIFE AND ACCIDENT | 15,583 | $8.0M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 91,706 | $25.7M |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 166,348 | $10.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166,348 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.