| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 SAINT LOUIS, MO 63195 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $58K | $65K | 1.62% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $28K | $6K | $34K | 10.12% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 1116 HAMMONTON, NJ 08037 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 1.82% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | 5264 INTERNATIONAL BOULEVARD SUITE 200B NORTH CHARLESTON, NC 29418 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 1.82% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $727 | $727 | 0.22% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 SAINT LOUIS, MO 63195 | VISION SERVICE PLAN | $5K | $0 | $5K | 10.17% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGTOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $233 | $0 | $233 | 0.51% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 314 | $4.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 314 | $4.0M |
| Vision | VISION SERVICE PLAN | 184 | $46K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 257 | $335K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 257 | $335K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 257 | $335K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 314 | $4.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 257 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.