| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $111 | $111 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 641843844 | METROPOLITAN LIFE INSURANCE COMPANY | — | $69 | $69 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVE, STE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 0.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KS CITY SERIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | — | $4K | 5.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $571 | $4K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - MOUNTAIN WEST | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $153 | $153 | 0.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE ATTN STEPHANIE ATTRUIA CORP ACCTG FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $72 | $72 | 0.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - CHICAGO IL | 29840 NETWORK PL CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 4.83% |
| LOCKTON COMPANIES, LLC3 | FOUNDERS SERIES 444 W 47TH ST, STE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 4.81% |
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 | 2,678 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,701 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 6 | $27K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,337 | $1.4M |
| Vision | VISION SERVICE PLAN | 1,983 | $303K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,679 | $614K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,011 | $531K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,674 | $402K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,679 | $745K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,337 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.