| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DR. S BUILDING C SUITE 360 JACKSONVILLE, FL 32224 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $143K | — | $143K | 1.33% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DR. S BUILDING C SUITE 360 JACKSONVILLE, FL 32224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $74K | $9K | $83K | 11.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DR. S BUILDING C SUITE 360 JACKSONVILLE, FL 32224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $3K | $26K | 11.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE OF FL | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 322240229 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 10.86% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | 13901 SUTTON PARK DR. S BUILDING C SUITE 360 JACKSONVILLE, FL 322240229 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $455 | $5K | 9.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $481 | $5 | $486 | 0.80% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44 | — | $44 | 0.07% |
| BRIDGET ZUNIGA3 Filed as: BRIDGET AUSMAN | 1086 HOWARD STREET SAN FRANCISCO, CA 94103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36 | — | $36 | 0.06% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30 | — | $30 | 0.05% |
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 | 1,291 | 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) | 1,299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 1,810 | $10.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,825 | $73K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,307 | $967K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,307 | $739K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,307 | $739K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,307 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,825 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.