| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | $24K | $90K | $114K | 2.87% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $17K | $17K | 0.88% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $10K | 17.87% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RICHMOND | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $626 | $626 | 1.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RICHMOND | PO BOX 905494 CHARLOTTE, NC 282905494 | FIRST UNUM LIFE INSURANCE COMPANY | — | $14 | $14 | 1.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK BCBS OF IOWA EIN 42-0318333 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.8M |
| EXPRESS SCRIPTS EIN 43-1420563 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.2M |
| METROPOLITAN LIFE INSURANCE CO EIN 13-5581829 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $146K |
| COMPSYCH EIN 36-3552652 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $56K |
| WEBMD HEALTH SERVICES GROUP, INC. EIN 93-1270422 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $55K |
| BENEFITBUMP EIN 84-3634954 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $54K |
| VISION SERVICE PLAN EIN 06-1227840 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $26K |
| NORTON LIFELOCK N/A | Direct payment from the plan; Other services Service code 49 | 60 EAST RIO SALADO PARKWAY, SUITE 4 TEMPE, AZ 85281 | $9K |
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 | 3,959 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 438 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 205 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 4,335 | $48.7M |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 8,258 | $4.0M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,589 | $2.0M |
| Prescription drug | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 4,335 | $48.7M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 36 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,258 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.