| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $92K | $179 | $92K | 2.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 220 W. MAIN ST. SUITE 1800 LOUISVILLE, KY 402021382 | METROPOLITAN LIFE INSURANCE COMPANY | — | $37K | $37K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $177K | $90 | $177K | 6.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $234K | — | $234K | 25.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE / FIDELITY SECURITY LIFE INSURANCE COMPANY | $56K | — | $56K | 7.91% |
| AON CONSULTING INC3 Filed as: AON CONULTING | 8182 MARYLAND AVE. CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $81K | — | $81K | 15.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HYATT LEGAL PLANS | $11K | — | $11K | 9.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 282905494 | HYATT LEGAL PLANS | — | $90 | $90 | 0.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 15.21% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $14 | $14 | 0.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $224 | — | $224 | 10.00% |
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 | 7,193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 114 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 21 | $290K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8 | $146K |
| Vision(2 contracts) | EYEMED VISION CARE / FIDELITY SECURITY LIFE INSURANCE COMPANY | 9,974 | $738K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,025 | $6.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 12,025 | $2.7M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,025 | $3.7M |
| Other(7 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,025 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,025 | — |
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.