| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CORPORATION | PO BOX 905494 CHARLOTTE, NC 282905494 | AETNA HEALTH, INC. | $147K | $0 | $147K | 4.58% |
| NIS NEB HOUSE ACCOUNT3 | ONE NATIONWIDE PLAZA MR-05-10 COLUMBUS, OH 43215 | NATIONWIDE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 12.55% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 6.33% |
| AON CONSULTING INC | PO BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $407 | $0 | $407 | 0.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 10.00% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 9.84% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 418 | $3.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 477 | $219K |
| Vision | AETNA LIFE INSURANCE COMPANY | 477 | $219K |
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 233 | $79K |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 229 | $116K |
| Other(3 contracts, 3 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 233 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.