| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 282905494 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $186K | $24K | $211K | 12.24% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC, | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $9K | $9K | 0.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 905494 CHARLOTTE, NC 282905494 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 905494 CHARLOTTE, NC 282905494 | KAISER FOUNDATION HEALTH PLAN INC. | $14K | — | $14K | 1.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHAROLOTTE, NC 282905494 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $64K | $8K | $73K | 12.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $3K | $3K | 0.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 282905494 | ALLSTATE INSURANCE | $167K | — | $167K | 61.52% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP SE | 3445 PEACHTREE RD. NE SUITE 200 ATLANTA, GA 303261234 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $111K | $115K | 74.51% |
| BOOK MICHAEL A3 | 530 5TH AVENUE FLOOR 11 NEW YORK, NY 100365101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.71% |
| BUCK CONSULTANTS LLC3 | 123 N UPPER WACKER DR #1000 CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP SE | 3445 PEACHTREE RD. NE SUITE 200 ATLANTA, GA 303261234 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $13K | $311K | $324K | 918.67% |
| BOOK MICHAEL A3 | 530 5TH AVENUE FLOOR 11 NEW YORK, NY 100365101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $12K | $12K | 33.42% |
| CONDUENT HR CONSULTING LLC3 | 420 LEXINGTON AVE. #2220 NEW YORK, NY 101702220 | FEDERAL INSURANCE COMPANY | $860 | — | $860 | 15.00% |
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 | 3,651 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 629 | $2.0M |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 6,891 | $371K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,638 | $1.7M |
| Long-term disability(3 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,638 | $795K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,651 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,891 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.