| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. - NEW JERSEY | 5600 W. 83RD. STREET 8200 TOWER STE. 1100 MINNEAPOLIS, MN 55437 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $8K | — | $8K | 0.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 955816 SAINT LOUIS, MO 63195 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 11.29% |
| ANO CONSULTING3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 955816 SAINT LOUIS, MO 63195 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 13.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.87% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MINNEAPOLIS, MN | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | — | $4K | 10.95% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MINNEAPOLIS, MN | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $479 | — | $479 | 10.94% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MINNEAPOLIS MN | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $319 | — | $319 | 10.95% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MINNEAPOLIS MN | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $51 | — | $51 | 10.94% |
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 | 542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 946 | $6.5M |
| Vision(4 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,312 | $40K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 610 | $229K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 569 | $74K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 610 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,312 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.