| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | $4K | $48K | 6.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | $25K | $6K | $30K | 12.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | — | $247 | $247 | 0.10% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES - CLAYTON | 8182 MARYLAND AVE. CLAYTON, MO 63105 | EYE MED VISION CARE | $9K | — | $9K | 5.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL DALLAS, TX 75231 | EYE MED VISION CARE | $3K | — | $3K | 1.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC. | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $16K | $4K | $20K | 14.67% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DR., SUITE 1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $331 | $331 | 0.25% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | P.O BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $3K | $449 | $4K | 17.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | — | $21 | $21 | 0.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | $3K | $562 | $4K | 17.72% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | — | $21 | $21 | 0.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | $2K | $337 | $2K | 12.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | — | $16 | $16 | 0.10% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | P.O BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $2K | $360 | $3K | 17.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 701 MARKET STREET SUITE 1100 ST. LOUIS, MO 63141 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $645 | — | $645 | 25.00% |
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 | 1,493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 950 | $744K |
| Vision | EYE MED VISION CARE | 1,557 | $167K |
| Life insurance(6 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 1,773 | $455K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,122 | $135K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,045 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,045 | — |
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.