| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 1.09% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.09% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES- CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $113K | — | $113K | 70.07% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES- CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66K | — | $66K | 65.08% |
| AON CONSULTING INC3 | 165 BROADWAY, STE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH | $19K | — | $19K | 20.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES- CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $54K | — | $54K | 65.03% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $991 | $991 | 1.48% |
| AON CONSULTING INC3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $337 | $337 | 0.50% |
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 | 2,555 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 4,840 | $397K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,604 | $983K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,555 | $400K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,555 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,840 | — |
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."
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.