| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 555 E. LANCASTER AVENUE SUITE 300 RADNOR, PA 19087 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $73K | — | $73K | 1.71% |
| DONALD HEALEY3 | 344 N. FRONT STREET LEMOYNE, PA 17043 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $7K | — | $7K | 0.17% |
| URL INC3 | 500 NATIONWIDE DRIVE HARRISBURG, PA 17110 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 6.06% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 5.46% |
| DONALD HEALEY3 Filed as: DONALD M HEALEY | 812 TAVISTOCK ROAD MECHANICSBURG, PA 17050 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 2.48% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $48 | $48 | 0.04% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 14.16% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $163 | $163 | 0.15% |
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 | 315 | 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) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 319 | $4.3M |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 319 | $4.3M |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 319 | $4.3M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 274 | $229K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 274 | $229K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 319 | $4.3M |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 274 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.