| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 4 OVERLOOK PT. LINCOLNSHIRE, IL 600694302 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $55K | $63K | 6.40% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.17% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $293 | $3K | 8.12% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | 13901 SUTTON PARK DR. S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $165 | $3K | 13.76% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DR. S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $145 | $2K | 13.58% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | 13901 SUTTON PARK DR. S. BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $652 | — | $652 | 11.78% |
| LISA MARIE OTERO3 | 23230 ISLAND VIEW #F BOCA RATON, FL 33433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | — | $93 | 1.68% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $56 | $56 | 1.01% |
| REED M HELMAN3 | 9320 SW 140TH STREET MIAMI, FL 33176 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.52% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DR. S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $554 | — | $554 | 12.49% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DR. S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $487 | $27 | $514 | 15.83% |
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 | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $982K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $982K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $982K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 282 | $18K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 282 | $40K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 282 | $20K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $982K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 282 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.