| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $145K | $28K | $173K | 9.99% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $23K | $23K | 1.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN | $18K | — | $18K | 1.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | — | $12K | 1.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $51K | $10K | $61K | 9.99% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $5K | $5K | 0.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | ALLSTATE INSURANCE | $36K | — | $36K | 16.39% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP SE | 3445 PEACHTREE RD. NE SUITE 200 ATLANTA, GA 303261234 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $28K | $52K | $80K | 63.00% |
| BOOK MICHAEL A3 | 530 5TH AVENUE FLOOR 11 NEW YORK, NY 100365101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8K | $18K | $26K | 20.36% |
| 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 | $12K | $17K | 13.92% |
| BOOK MICHAEL A3 | 530 5TH AVENUE FLOOR 11 NEW YORK, NY 100365101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.22% |
| BUCK CONSULTANTS LLC3 | 485 LEXINGTON AVENUE 10TH FLOOR NEW YORK, NY 10017 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 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 | 3,420 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 314 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN | 577 | $1.9M |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 6,475 | $458K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,399 | $1.7M |
| Long-term disability(3 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,399 | $854K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,420 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,475 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.