| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 11213 DAVENPORT ST STE 201 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF NEBRASKA | — | $44 | $44 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $48 | $48 | 0.05% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $48 | $48 | 0.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 400 ATRIUM DR FL 5S SOMERSET, NJ 088734172 | VISION SERVICE PLAN | $1K | — | $1K | 4.59% |
| AON CONSULTING INC3 | SUITE 525 5 TRIAD CTR SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $219 | — | $219 | 0.74% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | HARTFORD LIFE AND ACCIDENT | $181 | $17 | $198 | 16.42% |
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 | 474 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 246 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $88K |
| Vision | VISION SERVICE PLAN | 159 | $31K |
| Life insurance | ASSURITY LIFE INSURANCE COMPANY | 354 | $36K |
| Long-term disability | STANDARD INSURANCE COMPANY | 276 | $29K |
| Other | HARTFORD LIFE AND ACCIDENT | 358 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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 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.