| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | 29840 NETWORK PLACE CHICAGO, ID 606731299 | HARTFORD LIFE AND ACCIDENT | $9K | $1K | $10K | 8.67% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $284 | $284 | 0.24% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 3.29% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | EYEMED VISION CARE | $8K | — | $8K | 10.66% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, ID 606731299 | HARTFORD LIFE AND ACCIDENT | $297 | $111 | $408 | 6.88% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | 13901 SUTTON PARK S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | EYEMED VISION CARE | $87 | — | $87 | 12.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 CONTRACT ADMISTRATOR | Non-monetary compensation; Other services; Float revenue; Participant communication; Contract Administrator; Direct payment from the plan; Named fiduciary; Claims processing Service code 12 | — | $887K |
| AON RISK SERVICES INC INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 13901 SUTTON PARK DR S # 360 JACKSONVILLE, FL 32224 | $98K |
| RELIASTAR LIFE INSURANCE COMPANY EIN 41-0451140 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $17K |
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 | 1,463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 1,687 | $79K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,723 | $119K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 675 | $103K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,570 | $801K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,514 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,723 | — |
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.