| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN | $2K | — | $2K | 5.20% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES, L.C. | P.O. BOX 1863 CEDAR RAPIDS, IA 524061863 | VISION SERVICE PLAN | $831 | — | $831 | 2.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - DENVER | 1900 SIXTEENTH STREET SUITE 1000 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $276 | $172 | $448 | 1.61% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST SE PO BOX 1863 CEDAR RAPIDS, IA 524061863 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $281 | $105 | $386 | 1.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. - DENVER | 1900 SIXTEENTH STREET DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $131 | $131 | 0.61% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST SE PO BOX 1863 CEDAR RAPIDS, IA 524061863 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $81 | $81 | 0.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - DENVER | 1900 SIXTEENTH STREET DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $140 | $140 | 0.73% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST SE PO BOX 1863 CEDAR RAPIDS, IA 524061863 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $60 | $60 | 0.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. - DENVER | 1900 SIXTEENTH STREET SUITE 1000 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $961 | $100 | $1K | 7.10% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST SE PO BOX 1863 CEDAR RAPIDS, IA 524061863 | UNUM INSURANCE COMPANY | $832 | $52 | $884 | 5.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - DENVER | 1900 SIXTEENTH STREET SUITE 1000 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $848 | $179 | $1K | 10.50% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST SE PO BOX 1863 CEDAR RAPIDS, IA 524061863 | UNUM INSURANCE COMPANY | $46 | $9 | $55 | 0.56% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 177 | $1.5M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 253 | $635K |
| Vision | VISION SERVICE PLAN | 161 | $30K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $41K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 64 | $28K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 177 | $1.5M |
| Other(5 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 243 | $612K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.