| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - COLUMBUS | 445 HUTCHINSON AVENUE COLUMBUS, OH 432355656 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $240K | $240K | 2.22% |
| CLEARTRACK HR, LLC3 | PO BOX 69 HARVEST, AL 357490069 | RELIASTAR LIFE INSURANCE COMPANY | $770K | $80K | $850K | 21.25% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $175K | — | $175K | 4.39% |
| OASIS SOFTWARE II, LLC3 | DBA OASIS SOFTWARE 1105 DEEP WOODS TRL. BRENTWOOD, TN 370276310 | RELIASTAR LIFE INSURANCE COMPANY | — | $40K | $40K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $23K | — | $23K | 0.58% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | — | $69K | $69K | 2.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | — | $15K | $15K | 2.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 445 HUTCHINSON AVENUE COLUMBUS, OH 432355656 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $16K | $16K | 2.50% |
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 | 13,970 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 119 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,089 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10,799 | $7.3M |
| Vision | VISION SERVICE PLAN | 10,148 | $1.3M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 22,170 | $3.8M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,042 | $11.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,042 | $10.8M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 11,741 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,170 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.