| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC OF NEW JERSEY | 400 ATRIUM DR SOMERSET, NJ 08873 | BLUE CROSS BLUE SHIELD OF TEXAS, A DIVISION OF HEALTH CARE SERVICE COR | $393K | — | $393K | 3.90% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | BLUE CROSS BLUE SHIELD OF TEXAS, A DIVISION OF HEALTH CARE SERVICE COR | — | $16K | $16K | 0.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC IRVINE | AON MSC #17595 P.O. BOX 803507 DALLAS, TX 75380 | DEARBORN LIFE INSURANCE COMPANY | $184K | — | $184K | 14.62% |
| CUSTOM BENEFIT PROGRAMS INC3 | AN AON COMPANY PO BOX 6718 SOMERSET, NJ 08875 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $120 | $3K | 104.98% |
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 | 1,404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS, A DIVISION OF HEALTH CARE SERVICE COR | 2,086 | $10.1M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS, A DIVISION OF HEALTH CARE SERVICE COR | 2,086 | $10.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 1,349 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 1,349 | $1.3M |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,349 | $1.3M |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,349 | $1.3M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 1,349 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,086 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.