| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $84K | $7K | $91K | 5.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | $23K | $23K | 1.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | — | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | $2K | $2K | 0.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | — | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | $27 | $27 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | SIRIUS AMERICA INSURANCE COMPANY | $568 | — | $568 | 8.00% |
| MHA INSURANCE AGENCY3 | 500 DISTRICT AVENUE BURLINGTON, MA 01803 | SIRIUS AMERICA INSURANCE COMPANY | $355 | — | $355 | 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 | 154,192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 154,238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 148,036 | $16.7M |
| Life insurance(3 contracts) | HARTFORD LIFE AND ACCIDENT | 136,675 | $43.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,018 | $489K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 165,275 | $11.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165,275 | — |
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.