| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | DELTA DENTAL INSURANCE COMPANY | $18K | — | $18K | 4.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $7K | $21K | 7.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $4K | $12K | 7.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $4K | $12K | 8.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $953 | $580 | $2K | 8.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | METLIFE LEGAL PLANS | $943 | $10 | $953 | 10.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON DUNNING BENEFIT COMPANY | 717 N. HARWOOD ST. SUITE 2500 DALLAS, TX 752016527 | METLIFE LEGAL PLANS | — | $87 | $87 | 0.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE LEGAL PLANS | — | $78 | $78 | 0.86% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - MOUNTAIN WEST | PO BOX 173850, DEPT. 999228 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $45 | $45 | 0.50% |
| AON CONSULTING INC3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | — | $30 | $30 | 0.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | METLIFE LEGAL PLANS | — | $11 | $11 | 0.12% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 641843844 | METLIFE LEGAL PLANS | -$269 | — | -$269 | -2.97% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $91 | $5K | 100.02% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $825 | $825 | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 5005 LBJ FREEWAY SUITE 1400 DALLAS, TX 75244 | HARTFORD LIFE AND ACCIDENT | $619 | — | $619 | 15.01% |
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 | 622 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 357 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 979 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 926 | $392K |
| Vision | VISION SERVICE PLAN | 406 | $104K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,144 | $454K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 497 | $145K |
| Other(5 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 649 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,144 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.