| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 6TH FLOOR 701 B STREET SAN DIEGO, CA 921018156 | PRUDENTIAL INSURANCE COMPANY | $44K | — | $44K | 0.61% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC. | 3565 PIEDMONT ROAD,SUITE 700,BLDG.1 ATLANTA, GA 30305 | ZURICH AMERICAN INSURANCE COMPANY | $74K | — | $74K | 12.40% |
| JOHN P HAFFNER & ASSOCIATES3 Filed as: JOHN P HAFFNER AND ASSOCIATES | 341 CUMNOR AVENUE GLEN ELLYN, IL 60137 | ZURICH AMERICAN INSURANCE COMPANY | $16K | — | $16K | 2.60% |
| JOHN P HAFFNER & ASSOCIATES3 | 341 CUMNOR AVENUE GLEN ELLYN, IL 60137 | ZURICH AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.71% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC. | 3565 PIEDMONT ROAD, SUITE 700 BLDG1 ATLANTA, GA 30305 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.29% |
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 | 12,277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11,416 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 335 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,028 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 8 carriers) | NETWORK HEALTH INC. | 1,598 | $31.4M |
| Dental(4 contracts, 4 carriers) | AETNA/US HEALTHCARE | 2,029 | $3.5M |
| Vision | EYEMED VISION CARE | 7,401 | $879K |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 23,654 | $9.0M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY | 17,437 | $7.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY | 17,437 | $7.2M |
| Other(3 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 23,654 | $9.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,654 | — |
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.