| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HEALTHY ALLIANCE LIFE INSURANCE CO | $31K | $0 | $31K | 1.86% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 8182 MARYLAND AVENUE ST. LOUIS, MO 63105 | DELTA DENTAL OF MISSOURI | $12K | $582 | $12K | 10.42% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 180 N STETSON AVE CHICAGO, IL 60601 | ANTHEM LIFE INSURANCE COMPANY | $14K | $0 | $14K | 30.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $855 | $444 | $1K | 7.54% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE CO | $264 | $0 | $264 | 10.99% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $0 | $200 | $200 | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 4220 DUNCAN AVE SUITE 401 ST. LOUIS, MO 63101 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $150 | $0 | $150 | 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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE CO | 407 | $1.7M |
| Dental | DELTA DENTAL OF MISSOURI | 298 | $118K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE CO | 407 | $1.7M |
| Life insurance(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 159 | $67K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 159 | $47K |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 159 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.