| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTAL INC. | C/O NORTHERN TRUST BANK 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | $32K | $3K | $35K | 4.60% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | P.O. BOX 905494 CHARLOTTE, NC 28290 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 0.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. - OMAHA NE | 75 REMITTANCE DRIVE, DEPT. 1446 CHICAGO, IL 606751446 | UNITED HEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 10.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTAL INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | $6K | $454 | $7K | 5.37% |
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 | 2,857 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,872 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,583 | $282K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,872 | $766K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,872 | $766K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,872 | $920K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,872 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.