| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $23K | — | $23K | 2.05% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIRST RELIANCE STANDARD | $6K | — | $6K | 2.67% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIRST RELIANCE STANDARD | $6K | — | $6K | 3.23% |
| AON CONSULTING INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 6.19% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1.3M | — | $1.3M | 1394.45% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $3K | — | $3K | 3.66% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 37.97% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIRST RELIANCE STANDARD | $3K | — | $3K | 8.68% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIRST RELIANCE STANDARD | $2K | — | $2K | 16.42% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 11.66% |
| AON CONSULTING INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $68 | — | $68 | 4.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Float revenue; Non-monetary compensation; Other services; Participant communication Service code 12 | 900 COTTAGE GROVE RD HARFORD, CT 06152 | $685K |
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 | 726 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 726 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,207 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,207 | $1.1M |
| Vision | VISION SERVICE PLAN | 494 | $70K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 752 | $175K |
| Long-term disability(5 contracts, 3 carriers) | FIRST RELIANCE STANDARD | 642 | $316K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,207 | $1.1M |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,207 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,207 | — |
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.