| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM HEALTH PLANS, INC. | $157K | $0 | $157K | 1.83% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 100 GREAT MEADOW ROAD WETHERSFIELD, CT 06109 | DELTA DENTAL INSURANCE COMPANY | $10K | $0 | $10K | 2.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 28290 | HARTFORD LIFE AND ACCIDENT | $29K | $4K | $33K | 10.94% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE DEPT 1926 NORTHERN TRUST BANK CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | $0 | $960 | $960 | 0.32% |
| AON CONSULTING INC3 Filed as: AON HEWITT | PO BOX 905494 CHARLOTTE, NC 282905494 | EYEMED VISION CARE | $6K | $0 | $6K | 13.36% |
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 | 338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 1,293 | $8.6M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 603 | $407K |
| Vision | EYEMED VISION CARE | 928 | $44K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 958 | $302K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 958 | $302K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 958 | $302K |
| Other | HARTFORD LIFE AND ACCIDENT | 958 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,293 | — |
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.