| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606831298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $236K | $236K | 1.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606831298 | METROPOLITAN LIFE INSURANCE COMPANY | $106K | $35K | $141K | 0.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 0.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | C/O JP MORGAN CHASE 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$36K | -$36K | -0.20% |
| CLEARTRACK HR, LLC3 | 360B QUALITY CIR. NW STE. 220 HUNTSVILLE, AL 35806 | RELIASTAR LIFE INSURANCE COMPANY | $831K | $77K | $908K | 23.45% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $208K | — | $208K | 5.36% |
| OASIS SOFTWARE II, LLC3 Filed as: OASIS SOFTWARE, LLC | DBA OASIS SOFTWARE 1105 DEEP WOODS TRL. BENTWOOD, TN 370276310 | RELIASTAR LIFE INSURANCE COMPANY | — | $39K | $39K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29848 NETWORK PL CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $16K | — | $16K | 0.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | — | $61K | $61K | 2.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | — | $13K | $13K | 2.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606831298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $261 | $261 | 0.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29848 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53 | $53 | 0.14% |
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 | 14,155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 189 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 21,194 | $18.2M |
| Vision | VISION SERVICE PLAN | 10,299 | $1.3M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 22,355 | $3.5M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 21,194 | $18.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 21,194 | $18.2M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 11,157 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,355 | — |
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.