| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $239K | — | $239K | 27.71% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $56K | — | $56K | 6.53% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 5.00% |
| H E INSURANCE INC3 Filed as: H E INSURANCE INC. | 225 W WASHINGTON STE. 1550 CHICAGO, IL 60606 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $106 | — | $106 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PREMERA BLUE CROSS | $15K | — | $15K | 6.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CHICAGO, IL | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $8K | — | $8K | 9.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL DBA SOURCE 1 BENEFITS | 206 SOUTH JEFFERSON STREET CHICAGO, IL 60661 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $4K | — | $4K | 4.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PREMERA BLUE CROSS | $4K | — | $4K | 6.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $3K | $646 | $3K | 13.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E. RANDOLPH ST. STE 900 CHICAGO, IL 60601 | METLIFE LEGAL PLANS | — | $32 | $32 | 0.13% |
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 | 1,028 | 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) | 1,032 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PREMERA BLUE CROSS | 19 | $324K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 838 | $591K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 1,507 | $78K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,329 | $861K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,329 | $861K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,329 | $861K |
| Prescription drug(2 contracts) | PREMERA BLUE CROSS | 19 | $324K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,329 | $887K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,507 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.