| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 28290 | HEALTH CARE SERVICES CORPORATION | $188K | — | $188K | 1.91% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | — | $836 | $836 | 0.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40 | $40 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 400 ATRIUM DR. FLOOR 5S SOMERSET, NJ 088734172 | VISION SERVICE PLAN | $2K | — | $2K | 2.69% |
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 | 1,265 | 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) | 1,265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICES CORPORATION | 2,341 | $9.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,096 | $641K |
| Vision | VISION SERVICE PLAN | 917 | $92K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,531 | $281K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,531 | $281K |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICES CORPORATION | 2,341 | $9.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,531 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,341 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.