| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICE CENTERAL, INC. | 75 REMITTANCE DRIVE 1446 ACCT 30215288 CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | $88K | $40K | $128K | 3.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 0.30% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE CENTERAL, INC. | 75 REMITTANCE DRIVE 1446 ACCT 30215288 CHICAGO, IL 60075 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $40 | $40 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC. | PO BOX 905494 CHARLOTTE, NC 28290 | HARTFORD LIFE AND ACCIDENT | $6K | $6K | $13K | 0.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE, DEPT. 1926 NORTHERN TRUST BANK CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 0.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 28290 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $725K | $0 | $725K | 70.78% |
| HEWITT INSURANCE BROKERAGE LLC3 | 38030 TREASURY CENTER CHICAGO, IL 606499300 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 28290 | ALLSTATE WORKPLACE DIVISION | $24K | $0 | $24K | 14.82% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $9K | $9K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 5600 WEST 83RD STREET, 8200 TOWER SUITE 1000 MINNEAPOLIS, MN 55437 | HYATT LEGAL PLANS | $6K | $0 | $6K | 10.72% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | F/K/A AON RISK SERVICES 8300 NORMAN CENTER DRIVE, #1000 MINNEAPOLIS, MN 55437 | HYATT LEGAL PLANS | $0 | $680 | $680 | 1.24% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE 1446 CHICAGO, IL 60675 | HYATT LEGAL PLANS | $0 | $40 | $40 | 0.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 28290 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.72% |
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 | 19,738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 19,855 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 4,136 | $1.9M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,709 | $4.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 9,210 | $537K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 15,004 | $1.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 15,004 | $1.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 15,004 | $1.3M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 19,738 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,738 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.