| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 825 MARYVILLE CENTRE DR. CHESTERFILED, MO 63017 | UNION SECURITY INSURANCE COMPANY | — | $10K | $10K | 1.63% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 5 TRIAD CENTER, SUITE 525 SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 2.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 1.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 5 TRIAD CENTER SUITE 525 SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.89% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 5 TRIAD CENTER, SUITE 525 SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.89% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHNOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MO | 8182 MARYLAND AVENUE ST. LOUIS, MO 63105 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 720 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 715 | $606K |
| Vision | UNION SECURITY INSURANCE COMPANY | 715 | $606K |
| Life insurance | STANDARD INSURANCE COMPANY | 720 | $333K |
| Short-term disability | STANDARD INSURANCE COMPANY | 720 | $94K |
| Long-term disability | STANDARD INSURANCE COMPANY | 720 | $119K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 720 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 720 | — |
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."
No prospect flags tripped on this filing.