| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $130K | — | $130K | 14.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - EXB | EMPLOYEE RISK PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 1.02% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $45K | — | $45K | 21.60% |
| AON CONSULTING INC3 Filed as: AON CONSULTING-ATLANTA | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.81% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING-NEW YORK | PO BOX 905494 CHARLOTTE, NC 282905494 | THE PAUL REVERE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.02% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 15.07% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 20.44% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | — | $3K | 17.18% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 22.48% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 30.23% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $486 | — | $486 | 20.07% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $151 | — | $151 | 10.22% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $35 | — | $35 | 2.37% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $246 | — | $246 | 26.42% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 12.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - EXB | EMPLOYEE RISK PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.75% |
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 | 1,651 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(13 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 935 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 935 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.