| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | PO BOX 905494 CHARLOTTE, NC 28290 | HARTFORD LIFE AND ACCIDENT | — | $111K | $111K | 0.57% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE DEPT 1926 NORTHERN TRUST BANK CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $22K | $22K | 0.11% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 0.72% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 3000 TOWN CENTER STE 3000 SOUTHFIELD, MI 48075 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.34% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | P.O. BOX 203550 AUSTIN, TX 787203550 | HYATT LEGAL PLANS, INC. | $52K | $31 | $52K | 8.44% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES | 4 OVERLOOK POINT LINCOLNSHIRE, IL 600694302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $26K | $26K | 10.10% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES | 4 OVERLOOK POINT LINCOLNSHIRE, IL 600694302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 10.00% |
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 | 44,863 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 368 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 45,231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | EMPIRE HEALTHCHOICE HMO, INC. (G1922) | 30,408 | $9.9M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 11,684 | $4.9M |
| Vision | VISION SERVICE PLAN | 27,805 | $4.3M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 46,818 | $19.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 46,818 | $19.3M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 565 | $2.5M |
| Other(8 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 46,818 | $26.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 46,818 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.