| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | $72K | $33K | $105K | 7.33% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES, LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED VISION CARE | $69K | — | $69K | 9.21% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | $29K | $13K | $42K | 7.31% |
| AON CONSULTING INC3 Filed as: AON | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES ('CIGNA') | $5K | — | $5K | 3.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | $8K | $4K | $11K | 7.25% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | P.O. BOX 203550 AUSTIN, TX 78720 | METLIFE LEGAL PLANS | $12K | $1K | $13K | 11.19% |
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 | 5,887 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,461 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,262 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 706 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES ('CIGNA') | 567 | $183K |
| Vision | EYEMED VISION CARE | 7,209 | $744K |
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 5,611 | $2.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,571 | $924K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES ('CIGNA') | 567 | $183K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES ('CIGNA') | 6,071 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,209 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.