| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $1K | $28K | 7.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.33% |
| DAVID D HOWES3 Filed as: DAVID HOWES | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 327654508 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $1K | $23K | 7.83% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 3870 LITTLE ROCK, AR 72203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $841 | $8K | 2.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $760 | $18K | 7.93% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE INC. | PO BOX 3870 LITTLE ROCK, AR 72203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $534 | $6K | 2.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $357 | $19K | 11.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.05% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC. | PO BOX 3870 LITTLE ROCK, AR 72203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 0.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 0.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $416 | $10K | 7.85% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE INC. | PO BOX 3870 LITTLE ROCK, AR 72203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $285 | $3K | 2.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $215 | $16K | 16.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 0.08% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC. | PO BOX 3870 LITTLE ROCK, AR 72203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 0.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $817 | $35 | $852 | 7.87% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE INC. | PO BOX 3870 LITTLE ROCK, AR 72203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $266 | $24 | $290 | 2.68% |
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 | 718 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 723 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 508 | $99K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,288 | $395K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,288 | $395K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 945 | $232K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 309 | $297K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 719 | $128K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 719 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,288 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.