| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | P O BOX 905494 CHARLOTTE, NC 28290 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $86K | $9K | $96K | 5.54% |
| AON CONSULTING INC3 | P O BOX 905494 CHARLOTTE, NC 28290 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $171K | $9K | $180K | 10.50% |
| AON CONSULTING INC3 | P O BOX 905494 CHARLOTTE, NC 28290 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $50K | $3K | $53K | 10.61% |
| AON CONSULTING INC3 | P O BOX 905494 CHARLOTTE, NC 28290 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $46K | $3K | $48K | 10.55% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA INTERNATIONAL | $22K | — | $22K | 10.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET 12TH FL NEW YORK, NY 100380000 | FEDERAL INSURANCE COMPANY | $5K | — | $5K | 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 | 5,243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 180 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 131 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INTERNATIONAL | 39 | $217K |
| Dental | AETNA INTERNATIONAL | 39 | $217K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,881 | $1.7M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,501 | $1.7M |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,004 | $953K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,881 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,881 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.