| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | ATTN DBA AON HEWITT 29840 NETWORK PLACE US CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $27K | $27K | 2.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $50K | $50K | 5.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $17K | $17K | 1.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATERS STREET NEW YORK, NY 10038 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| AON CONSULTING INC3 | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRES INSURANCE COMPANY OF PITTSBURGH, PA | $6K | — | $6K | 15.00% |
| AON CONSULTING INC3 | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 41-0984460 NONE | Contract Administrator; Other fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.8M |
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $808K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing Service code 12 | — | $321K |
| DELTA DENTAL EIN 41-1905554 NONE | Claims processing Service code 12 | — | $194K |
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 | 4,684 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,738 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $88K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $88K |
| Life insurance(3 contracts, 3 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 5,519 | $1.2M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 13,247 | $904K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 13,247 | $904K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,247 | — |
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.