| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | AON CONSULTING INC 29840 NETWORK PLACE CHICAGO, IL 606731296 | HARTFORD LIFE AND ACCIDENT | $34K | — | $34K | 10.00% |
| 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 | 1.34% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $654 | $654 | 0.19% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $113 | $29K | 9.21% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.15% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $113 | $3K | 0.88% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FL | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.63% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $791 | $791 | 0.25% |
| 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 | $221 | $3K | 10.76% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $1K | $144 | $1K | 9.65% |
| AON CONSULTING INC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60661 | METLIFE LEGAL PLANS | — | $223 | $223 | 1.52% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FL | PO BOX 551343 ATLANTA, GA 30355 | METLIFE LEGAL PLANS | $122 | — | $122 | 0.83% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | PO BOX 955816 ST. LOUIS, MO 63195 | METLIFE LEGAL PLANS | — | $29 | $29 | 0.20% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET CHICAGO, IL 606016420 | METLIFE LEGAL PLANS | — | $16 | $16 | 0.11% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 95509 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $834 | — | $834 | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 25.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF FLORIDA | $575 | — | $575 | 10.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $473 | — | $473 | 9.99% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $447 | — | $447 | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC | $180 | — | $180 | 9.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $135 | — | $135 | 9.99% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH PLAN OF VIRGINIA, INC. | $98 | — | $98 | 10.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $83 | — | $83 | 10.05% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $45 | — | $45 | 9.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $30 | — | $30 | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF OHIO, INC | $23 | — | $23 | 10.22% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF MISSOURI, INC | $8 | — | $8 | 10.67% |
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 | 1,176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(14 contracts, 14 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 716 | $376K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 719 | $40K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,367 | $337K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,367 | $337K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,367 | $359K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,367 | — |
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.