| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 13901 SUTTON PARK DR. S BUILDING C SUITE 360 JACKSONVILLE, FL 32224 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $113K | — | $113K | 4.64% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | BENEFIT SERVICES INC. 240 N MAGNOLIA TALLAHASSEE, FL 32302 | HARTFORD LIFE AND ACCIDENT | $26K | — | $26K | 12.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.74% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $303 | $303 | 0.14% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | 13901 SUTTON PARK S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 5.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FL, INC. | 13901 SUTTON PARK DR. S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | EYEMED VISION CARE | $773 | — | $773 | 3.70% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 443 | $2.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 506 | $201K |
| Vision | EYEMED VISION CARE | 356 | $21K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 418 | $215K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 418 | $215K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 418 | $215K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 443 | $2.4M |
| Other | HARTFORD LIFE AND ACCIDENT | 418 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.