| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON HEWITT | 8182 MARYLAND AVENUE SUITE 1500 ST. LOUIS, MO 63105 | MINNESOTA LIFE INSURANCE COMPANY | $73K | $483 | $73K | 15.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $4K | $4K | 1.64% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 905494 CHARLOTTE, NC 282905494 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE COMPANY | $21K | $0 | $21K | 9.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE SUITE 14 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $23K | $956 | $24K | 11.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $4K | $4K | 1.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.94% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 8182 MARYLAND AVE. SUITE 1500 ST. LOUIS, MO 63105 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $77 | $77 | 0.10% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 905494 CHARLOTTE, NC 282905494 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE COMPANY | $255 | $0 | $255 | 9.10% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 905494 CHARLOTTE, NC 282905494 | EYEMED VISON CARE ON BEHALF OF THE COMBINED INSURANCE COMPANY | $101 | $0 | $101 | 8.15% |
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 | 5,560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE COMPANY | 4,319 | $226K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 4,337 | $561K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,923 | $238K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,287 | $214K |
| 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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.