| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | 13901 SUTTON PARK DR. BUILDING C JACKSONVILLE, FL 32224 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$15 | $54K | $54K | 1.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE INC OF FLORIDA | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 3.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - TAMPA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $3K | $15K | 11.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. OF FLORIDA | 13901 SUTTON PARK DRIVE BUILDING C, SUITE 360 JACKSONVILLE, FL 322240229 | VISION SERVICE PLAN | $5K | — | $5K | 10.00% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 381 | $3.6M |
| Dental | AETNA LIFE INSURANCE CO. | 552 | $197K |
| Vision | VISION SERVICE PLAN | 203 | $51K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $135K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $135K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $135K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.