| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | SUITE 1943 75 REMITTANCE DRIVE CHICAGO, IL 60675 | DELTA DENTAL OF MINNESOTA | $175K | — | $175K | 10.31% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - MINNEAPOLIS | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | $8K | $60K | 7.37% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - MINNEAPOLIS | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | $4K | $52K | 16.12% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MINNEAPOLIS, MN | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $570 | — | $570 | 14.91% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MINNEAPOLIS, MN | 111 N. WASHINGTON ST. SUITE 300 GREENBAY, WI 54301 | EYEMED VISION CARE | $116 | — | $116 | 3.03% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MINNEAPOLIS, MN | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | EYEMED VISION CARE | $24 | — | $24 | 0.63% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MINNEAPOLIS, MN | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $61 | — | $61 | 3.89% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MINNEAPOLIS, MN | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | EYEMED VISION CARE | $48 | — | $48 | 3.06% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MINNEAPOLIS, MN | 111 N. WASHINGTON ST. SUITE #300 GREEN BAY, WI 54301 | EYEMED VISION CARE | $32 | — | $32 | 2.04% |
| AON CONSULTING INC3 Filed as: AON - HEWITT - MINNEAPOLIS, MN | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $61 | — | $61 | 5.61% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MINNEAPOLIS, MN | 111 N. WASHINGTON ST. SUITE #300 GREEN BAY, WI 54301 | EYEMED VISION CARE | $44 | — | $44 | 4.05% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MINNEAPOLIS, MN | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $41K | — | $41K | — |
| AON CONSULTING INC3 Filed as: AON HEWITT - MINNEAPOLIS MN | 75 REMITTANCE DRIVE SUTIE 1446 CHICAGO, IL 60675 | EYEMED VISION CARE | $11K | — | $11K | — |
| AON CONSULTING INC3 Filed as: AON HEWITT - MINNEAPOLIS MN | 111 N. WASHINGTON ST. SUITE 300 GREENBAY, WA 54301 | EYEMED VISION CARE | $8K | — | $8K | — |
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 | 8,341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 6,596 | $1.7M |
| Vision(4 contracts) | EYEMED VISION CARE | 4,576 | $6K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,341 | $1.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,341 | $816K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,341 | $816K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,341 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,341 | — |
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.