| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | 315 WEST THIRD STREET LITTLE ROCK, AR 72201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | $3K | $35K | 10.80% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | 315 WEST THIRD STREET LITTLE ROCK, AR 72201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $2K | $23K | 10.60% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | 315 WEST THIRD STREET LITTLE ROCK, AR 72201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $812 | $13K | 10.69% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC. | PO BOX 3870 LITTLE ROCK, AR 722033870 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $44 | $7K | 9.96% |
| DAVID D HOWES3 Filed as: DAVID HOWES | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 327654508 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 8.92% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF TEXAS INC. | 2711 N. HASKELL AVENUE SUITE 800 DALLAS, TX 752042932 | METROPOLITAN LIFE INSURANCE COMPANY | — | $546 | $546 | 0.77% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | 315 WEST THIRD STREET LITTLE ROCK, AR 72201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $70 | $1K | 10.70% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,243 | $71K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 951 | $218K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 336 | $328K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 700 | $118K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 703 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,243 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.