| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50K | — | $50K | 17.63% |
| AON CONSULTING INC3 | P.O. BOX 905494 SUITE 400 CHARLOTTE, NC 28290 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Other fees; Consulting (general); Float revenue; Insurance services; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $2.2M |
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 TPA | Claims processing Service code 12 | — | $908K |
| EXPRESS SCRIPTS EIN 22-3461740 TPA | Claims processing Service code 12 | — | $250K |
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 TPA | Named fiduciary; Contract Administrator; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Float revenue; Participant communication Service code 12 | — | $188K |
| CIGNA HEALTH & LIFE INSURANCE COMP | Float revenue; Participant communication; Direct payment from the plan; Other services; Named fiduciary; Contract Administrator; Claims processing; Non-monetary compensation Service code 12 | — | $0 |
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 | 5,076 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,004 | $1.1M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 35 | $855K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 5,013 | $1.4M |
| Life insurance(3 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 5,707 | $2.4M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,986 | $981K |
| Prescription drug(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,004 | $1.1M |
| Other(7 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,076 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,707 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.