| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | AETNA LIFE INSURANCE CO. | $19K | — | $19K | 1.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | C/O NORTHN TRUST DB 75 REMITTANCE DRIVE, STE 1446 CHICAGO, IL 60675 | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 1.44% |
| AON CONSULTING INC3 Filed as: AON CONSUTING | 29840 NETWORK PL CHICAGO, IL 60673 | AETNA HEALTH, INC. | $5K | — | $5K | 1.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | C/O NORTHERN TRUST DB 75 REMITTANCE DRIVE STE 1446 CHICAGO, IL 60675 | AETNA HEALTH, INC. | $1K | — | $1K | 0.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - CHICAGO | P.O. BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 8.62% |
| AON CONSULTING INC3 | NORTHERN TRUST BANK 75 REMITTANCE DR STE 1446 CHICAGO, IL 60675 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 3.51% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 155 | $1.4M |
| Dental | UNION SECURITY INSURANCE COMPANY | 237 | $111K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $134K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $134K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $134K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.