| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST | 75 REMITTANCE DRIVE DEPARTMENT 1446 CHICAGO, IL 60675 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $46K | $46K | 1.78% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | DELTA DENTAL OF OHIO | $3K | — | $3K | 1.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF OHIO | $867 | $0 | $867 | 0.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | VISION SERVICE PLAN | $2K | — | $2K | 2.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | VISION SERVICE PLAN | $386 | $0 | $386 | 0.69% |
| AON CONSULTING INC3 | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $605 | $4K | 13.31% |
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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 503 | $2.6M |
| Dental | DELTA DENTAL OF OHIO | 478 | $170K |
| Vision | VISION SERVICE PLAN | 189 | $56K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 288 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 288 | $34K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 503 | $2.6M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 288 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.