| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | COMMISSION REVENUE 39340 TREASURY CENTER CHICAGO, IL 606949300 | HYATT LEGAL PLANS | $6K | — | $6K | 10.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 220 WEST MAIN STREET, STE 1800 LOUISVILLE, KY 40202 | HYATT LEGAL PLANS | — | $743 | $743 | 1.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 39030 TREASURY CTR CHICAGO, IL 60694 | HYATT LEGAL PLANS | — | $40 | $40 | 0.07% |
| CHRISTINE INSINGER3 | 15858 WEST DODGE ROAD SUITE 200 OMAHA, NE 68118 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 16.66% |
| THOMAS JAMES BUTLER3 Filed as: THOMAS A OSTLER | 7925 N 152ND ST BENNINGTON, NE 68007 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.34% |
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 | 2,217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,675 | $265K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,217 | $475K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,279 | $526K |
| Long-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 1,989 | $345K |
| Other(2 contracts, 2 carriers) | MAGELLAN BEHAVIORAL HEALTH INC. | 2,190 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,217 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.