| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 200 E. RANDOLPH ST. CHICAGO, IL 60601 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $40K | — | $40K | 5.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $126 | $1K | 12.06% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - NASHVILLE | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $819 | $102 | $921 | 11.78% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET STE 300 HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | — | $68 | 12.04% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 9.56% |
| DANIEL C HARRIS3 | 124 CARTERS GROVE DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.88% |
| HEATHER M BARTLEY3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.88% |
| JOSEPH W CALABRO SR3 Filed as: JOSEPH W CALABRO | 2120 RIDGE DRIVE MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.88% |
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 | 117 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 207 | $800K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 207 | $800K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 207 | $800K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 53 | $9K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $8K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $8K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 53 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.