| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST/ST. LOUIS | P.O. BOX 955909 ST. LOUIS, MO 631955909 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $177 | $177 | 0.01% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE, INC. | 7202 E. ROSEWOOD ST. SUITE 200 TUCSON, AZ 85710 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $71 | — | $71 | 0.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 333 E. RIVER DR. #404 HARTFORD, CT 06108 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$62K | — | -$62K | -2.19% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 SAINT LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $448 | $448 | 1.17% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 SAINT LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $412 | $412 | 1.26% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 SAINT LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $394 | $394 | 1.33% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $126 | $126 | 1.23% |
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 | 403 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 842 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 842 | $2.8M |
| Vision | VISION SERVICE PLAN | 360 | $43K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 510 | $38K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 361 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 361 | $33K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 842 | $2.8M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 690 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 842 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.