| 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 | — | $55K | $55K | 2.08% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | 200 E. RANDOLPH STREET CHICAGO, IL 60601 | DELTA DENTAL OF OHIO | $7K | — | $7K | 4.72% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 75 REMITTANCE DRIVE STE 1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $227 | $8K | 15.47% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | 75 REMITTANCE DRIVE DEPT 1446 CHICAGO, IL 60675 | VISION SERVICE PLAN | $2K | — | $2K | 3.88% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 75 REMITTANCE DRIVE STE. 1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $130 | $4K | 15.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 75 REMITTANCE DRIVE #1446 SUITE 1446 CHICAGO, IL 60075 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $125 | $125 | 0.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 75 REMITTANCE DRIVE STE. 1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $397 | $13 | $410 | 15.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4 | $4 | 0.16% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 1660 WEST 2ND STREET SUITE 650 CLEVELAND, OH 44113 | ACE AMERICAN INSURANCE COMPANY | $285 | — | $285 | 15.00% |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 446 | $2.6M |
| Dental | DELTA DENTAL OF OHIO | 434 | $140K |
| Vision | VISION SERVICE PLAN | 134 | $45K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $52K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $49K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 446 | $2.6M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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.