| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 8182 MARYLAND AVE SAINT LOUIS, MO 63105 | UNUM INSURANCE COMPANY | $514 | $429 | $943 | 2.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 8182 MARYLAND AVE SAINT LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $471 | $5K | 23.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 8182 MARYLAND AVE SAINT LOUIS, MO 63105 | UNUM INSURANCE COMPANY | $836 | $70 | $906 | 16.26% |
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 | 242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(3 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 242 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.