| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 1447 LINCOLNSHIRE, IL 60069 | SECURIAN LIFE INSURANCE COMPANY | $181K | — | $181K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | — | $82K | $82K | 2.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $151K | $62 | $151K | 4.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53K | $53K | 1.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 0.28% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $31K | $573 | $31K | 9.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 10 LANIDEX CENTER WEST PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | — | $5K | $5K | 1.45% |
| BENEFITFOCUS.COM, INC.3 | PO BOX 123383 DEPT 3383 DALLAS, TX 75312 | METLIFE LEGAL PLANS | — | $1K | $1K | 0.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E RANDOLPH ST. SUITE 900 CHICAGO, IL 60601 | METLIFE LEGAL PLANS | — | $470 | $470 | 0.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 8300 NORMAN CENTER DRIVE SUITE 1000 MINNEAPOLIS, MN 55437 | METLIFE LEGAL PLANS | — | $62 | $62 | 0.02% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | — | $19K | $19K | 20.00% |
| AON CONSULTING INC3 Filed as: AON | 5600 W. 83RD. STREET MINNEAPOLIS, MN 55437 | ACE AMERICAN INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | — | $9K | $9K | 20.00% |
| AON CONSULTING INC3 Filed as: AON | 5600 W. 83RD. STREET MINNEAPOLIS, MN 55437 | ACE AMERICAN INSURANCE COMPANY | $7K | — | $7K | 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 | 9,401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 489 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,890 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 8,751 | $3.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,254 | $3.3M |
| Other(4 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 9,265 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,265 | — |
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.