| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PL CHICAGO, IL 606731298 | UNITED HEALTHCARE INSURANCE COMPANY | $56K | — | $56K | 8.85% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1401 WILLOW PASS RD STE 850 CONCORD, CA 94520 | UNITED HEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 6.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40K | $2K | $42K | 12.74% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 2.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL. CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $1K | $20K | 12.73% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 3.01% |
| AON CONSULTING INC3 Filed as: AON HEWITT, GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED | $3K | — | $3K | 5.91% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 91189 | EYEMED | $2K | — | $2K | 4.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | RESERVE NATIONAL INSURANCE COMPANY | $17K | — | $17K | 35.62% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD. SUITE 200 DULUTH, GA 30096 | RESERVE NATIONAL INSURANCE COMPANY | $4K | — | $4K | 7.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $225 | $4K | 12.73% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $933 | — | $933 | 3.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 20.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $754 | $30 | $784 | 15.59% |
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 | 520 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 1,115 | $24K |
| Vision | EYEMED | 885 | $49K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 516 | $331K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 303 | $160K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 437 | $629K |
| Other(4 contracts, 3 carriers) | RESERVE NATIONAL INSURANCE COMPANY | 520 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,115 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.