| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS | 200 EAST RANDOLPH ST CHICAGO, IL 60601 | ASSURANT | $86K | — | $86K | 5.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES INC | 4454 W 47TH ST STE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | C/O NORTHERN TRUST BANK 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | UNION SECURITY INSURANCE COMPANY | $16K | — | $16K | 1.95% |
| MARLENE MCCABE3 | AON CONSULTING, INC. 4801 MAIN STREET, SUITE 350 KANSAS CITY, MO 64112 | KANSAS CITY LIFE INSURANCE COMPANY | $5K | — | $5K | 1.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD | $7K | — | $7K | 2.42% |
| UMB INSURANCE INC.3 Filed as: UMB SCOUT INSURANCE SCVS INC. | 928 GRAND BLVD, 6TH FLOOR KANSAS CITY, MO 64106 | AMERICAN HERITAGE LIFE INSURANCE | $27K | — | $27K | 9.67% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS CENTRAL INC | 75 REMITTANCE DR, SUITE 1943 C/O NORTHERN TRUST BANK CHICAGO, IL 60675 | AMERICAN HERITAGE LIFE INSURANCE | $16K | — | $16K | 5.75% |
| UMB INSURANCE INC.3 | 928 GRAND BLVD, 6TH FLOOR KANSAS CITY, MO 64106 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 282905494 | GENWORTH LIFE INSURANCE COMPANY | $25K | — | $25K | 12.67% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 7943 DALLAS, TX 75379 | UNION SECURITY INSURANCE COMPANY | $15K | — | $15K | 16.20% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | C/O NORTHERN TRUST BANK 75 REMITTANCE DR, DEPT 1446 CHICAGO, IL 60675 | HYATT LEGAL PLANS | $7K | — | $7K | 9.24% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | C/O NORTHERN TRUST BANK 75 REMITTANCE DR, DEPT 1446 CHICAGO, IL 606751446 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $48 | $4K | 15.43% |
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 | 3,624 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE | 488 | $278K |
| Dental | ASSURANT | 2,573 | $1.6M |
| Vision | VISION SERVICE PLAN | 2,055 | $430K |
| Life insurance(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 4,683 | $1.5M |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 399 | $91K |
| Long-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 4,683 | $1.1M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,424 | $1.5M |
| Other(3 contracts, 3 carriers) | GENWORTH LIFE INSURANCE COMPANY | 566 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,424 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.