| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST - | CINCINNATI 75 REMITTANCE DR. DEPT 1446 CHICAGO, IL 60675 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $47K | $47K | 1.86% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | 200 E. RANDOLPH STREET CHICAGO, IL 60601 | DELTA DENTAL OF OHIO | $6K | — | $6K | 4.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | 75 REMITTANCE DRIVE DEPT 1446 CHICAGO, IL 60675 | VISION SERVICE PLAN | $2K | — | $2K | 4.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 75 REMITTANCE DRIVE STE 1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 75 REMITTANCE DRIVE STE. 1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | 1660 WEST 2ND STREET SUITE 650 CLEVELAND, OH 44113 | ACE AMERICAN INSURANCE COMPANY | $300 | — | $300 | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 75 REMITTANCE DRIVE STE. 1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $269 | — | $269 | 15.01% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 474 | $2.5M |
| Dental | DELTA DENTAL OF OHIO | 450 | $159K |
| Vision | VISION SERVICE PLAN | 134 | $42K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $37K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 162 | $6K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $30K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 474 | $2.5M |
| Other(3 contracts, 2 carriers) | ACE AMERICAN INSURANCE COMPANY | 2,582 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,582 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.