| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | DELTA DENTAL OF MISSOURI | $11K | — | $11K | 0.55% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $47K | — | $47K | 17.02% |
| AON CONSULTING INC3 | 29840 NETWORK PL. CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $107K | $7K | $114K | 75.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | $6K | $54K | 37.42% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 4220 DUNCAN AVENUE, SUITE 401 ST. LOUIS, MO 63110 | METLIFE LEGAL PLANS | $8K | — | $8K | 10.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | — | $1K | $1K | 1.63% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E. RANDOLPH ST STE 900 CHICAGO, IL 60601 | METLIFE LEGAL PLANS | — | $87 | $87 | 0.11% |
| AON CONSULTING INC3 | 7650 W. COURTNEY CAMPELL CAUSEWAY TAMPA, FL 33607 | METLIFE LEGAL PLANS | — | $55 | $55 | 0.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29848 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $3K | $27K | 37.67% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $631 | $11K | 72.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $508 | $5K | 37.82% |
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 | 5,986 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 128 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 7,014 | $1.9M |
| Vision | VISION SERVICE PLAN | 2,664 | $338K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,599 | $224K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,875 | $144K |
| Other(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,986 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,014 | — |
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.