| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | $139K | $62K | $201K | 7.23% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $142K | $30K | $172K | 7.98% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | — | $14K | $14K | 15.00% |
| AON CONSULTING INC3 Filed as: AON | 5600 WEST 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 | — | $10K | $10K | 20.00% |
| AON CONSULTING INC3 Filed as: AON | 5600 WEST 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 | 7,947 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 546 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 7,909 | $2.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,382 | $2.2M |
| Other(2 contracts) | ACE AMERICAN INSURANCE COMPANY | 8,648 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,648 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.