| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | — | $28K | $28K | 1.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | — | $12K | $12K | 0.54% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $9K | $9K | 0.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.13% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $349 | $349 | 0.27% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR. KIMBERLY, WI 54136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $5K | 8.49% |
| ASSOCIATED BENEFITS & RISK CON3 Filed as: ASSOCIATED BENEFITS & RISK CNSLTNG | 711 EISENHOWER DR. KIMBERLY, WI 54136 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 17.66% |
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 | 3,837 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,904 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 3,837 | $2.3M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,837 | $2.3M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,837 | $2.3M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 3,837 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,837 | — |
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.