| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $172K | $172K | 1.64% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61K | $61K | 1.62% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $319K | — | $319K | 16.95% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES, INC | 9009 WEST LOOP S STE 600 HOUSTON, TX 770961719 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | — | $65K | $65K | 3.42% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $38K | — | $38K | 2.03% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $71K | — | $71K | 5.73% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 3550 LENOX ROAD NE SUITE 1700 ATLANTA, GA 30305 | ZURICH AMERICAN INSURANCE COMPANY | $87K | — | $87K | 15.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 3550 LENOX ROAD NE SUITE 1700 ATLANTA, GA 30305 | ZURICH AMERICAN INSURANCE COMPANY | $6K | — | $6K | 15.00% |
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 | 12,108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11,681 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7,195 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 30,984 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 32 | $385K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 345 | $709K |
| Vision | EYEMED VISION CARE | 8,356 | $1.2M |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 22,352 | $10.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 11,187 | $3.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 11,187 | $3.8M |
| Other(4 contracts, 3 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 42,000 | $13.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,000 | — |
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."
No prospect flags tripped on this filing.