| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | AON CONSULTING INC 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | — | $18K | $18K | 1.24% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.17% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $105K | $13K | $117K | 18.03% |
| AON CONSULTING INC3 | 1900 16TH STREET SUITE 1000 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.52% |
| AON CONSULTING INC Filed as: AON CONSULTING | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS CO OF PITTSBURGH PA | — | $6K | $6K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBSM, INC. EIN 41-0984460 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Insurance brokerage commissions and fees; Other commissions; Contract Administrator; Other fees; Legal Service code 12 | — | $2.0M |
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 | 4,899 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPSYCH | 5,011 | $68K |
| Vision | EYEMED | 6,479 | $259K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,862 | $1.7M |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY NY | 3 | $360 |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,862 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,479 | — |
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.