| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $62 | $33K | 10.01% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.75% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $935 | $935 | 0.28% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | AON CONSULTING INC 29840 NETWORK PLACE CHICAGO, IL 606731296 | HARTFORD LIFE AND ACCIDENT | $36K | — | $36K | 10.91% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | AON CONSULTING INC 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 1.62% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $781 | $781 | 0.24% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 SAINT LOIUS, MO 63195 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 10.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $181 | $181 | 0.59% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $2K | $40 | $2K | 10.22% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 10 LANIDEX CENTER WEST PARSIPPANY, NY 07054 | METLIFE LEGAL PLANS | — | $104 | $104 | 0.59% |
| AON CONSULTING INC3 | 7650 W. COURTNEY CAMPBELL CAUSEWAY TAMPA, FL 33607 | METLIFE LEGAL PLANS | — | $62 | $62 | 0.35% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET SUITE 900 CHICAGO, IL 606016420 | METLIFE LEGAL PLANS | — | $28 | $28 | 0.16% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 95509 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $845 | — | $845 | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF FLORIDA, INC | $621 | — | $621 | 9.99% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $485 | — | $485 | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $368 | — | $368 | 10.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC | $258 | — | $258 | 10.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH PLAN OF VIRGINIA, INC. | $133 | — | $133 | 10.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $91 | — | $91 | 10.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $83 | — | $83 | 9.95% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $68 | — | $68 | 9.97% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF OHIO, INC | $45 | — | $45 | 9.89% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $23 | — | $23 | 10.13% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF MISSOURI, INC | $23 | — | $23 | 10.13% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $15 | — | $15 | 9.87% |
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 | 1,362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(15 contracts, 15 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 724 | $393K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 700 | $41K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,358 | $329K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,358 | $329K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,362 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,362 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.