| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | PO BOX 8264 CHICAGO, IL 60680 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $36K | $3K | $38K | 7.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FL 13 CHICAGO, IL 806044466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 3.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $3K | $25K | 6.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPARTMENT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $4K | $24K | 6.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $707 | $9K | 9.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $8K | 7.62% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORI | BLDG C STE 360 13901 SUTTON PARK DR S JACKSONVILLE, FL 32224 | UNUM INSURANCE COMPANY | $35K | $2K | $37K | 68.08% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORI | BLDG C STE 360 13901 SUTTON PARK DR S JACKSONVILLE, FL 32224 | UNUM INSURANCE COMPANY | $7K | $867 | $7K | 22.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPARTMENT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM INSURANCE COMPANY | $2K | $442 | $3K | 8.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORI | BLDG C STE 360 13901 SUTTON PARK DR S JACKSONVILLE, FL 32224 | UNUM INSURANCE COMPANY | $22K | $1K | $23K | 74.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $96 | $1K | 10.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPARTMENT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | FIRST UNUM LIFE INSURANCE COMPANY | $681 | $227 | $908 | 7.44% |
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 | 690 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 600 | $541K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 600 | $541K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 707 | $384K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 707 | $384K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 707 | $384K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 707 | $614K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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.