| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 CONNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $74K | $74K | 1.75% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $26K | $26K | 0.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | HARTFORD LIFE AND ACCIDENT | $53K | — | $53K | 9.05% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK RD., STE. 500 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $26K | — | $26K | 4.46% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $613 | $613 | 0.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $111 | — | $111 | 0.27% |
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 | 474 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 808 | $4.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 808 | $4.2M |
| Vision | VISION SERVICE PLAN | 294 | $41K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 474 | $581K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 474 | $581K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 474 | $581K |
| Other | HARTFORD LIFE AND ACCIDENT | 474 | $581K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 808 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.