| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PL. CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $7K | $2K | $9K | 1.37% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 0.17% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | METLIFE LEGAL PLANS | $993 | — | $993 | 5.67% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 5600 W. 83RD. STREET 8200 TOWER STE. 1100 MINNEAPOLIS, MN 55437 | METLIFE LEGAL PLANS | $759 | — | $759 | 4.33% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | NORTHERN TRUST BANK 75 REMITTANCE DR. STE 1446 CHICAGO, IL 60675 | METLIFE LEGAL PLANS | — | $148 | $148 | 0.85% |
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 | 814 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS | 1,357 | $62K |
| Dental | HEALTHPARTNERS | 1,357 | $62K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 842 | $55K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,229 | $676K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,229 | $676K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,229 | $676K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,357 | $755K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,357 | — |
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.