| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CNTRL-LOUISVILLE | 220 W. MAIN SUITE 1855 LOUSIVILLE, KY 402021395 | UNITEDHEALTHCARE INSURANCE COMPANY | $60K | — | $60K | 3.18% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE CHICAGO, IL 60675 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 4.28% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $601 | $9K | 10.71% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $265 | $4K | 10.94% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | GERBER | $1K | — | $1K | 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 | 203 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 365 | $1.9M |
| Dental | DELTA DENTAL OF KENTUCKY | 358 | $86K |
| Vision | GERBER | 271 | $14K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 77 | $84K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 77 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.