| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | MSC 17149 PO BOX 803507 DALLAS, TX 75380 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF ARKANSAS | PO BOX 803507 DALLAS, TX 75380 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 5 TRIAD CENTER SUITE 525 SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.71% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | MSC 17149 PO BOX 803507 DALLAS, TX 75380 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | MSC 17149 PO BOX 803507 DALLAS, TX 75380 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 7.38% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 8.92% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | PO BOX 803507 DALLAS, TX 75380 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.71% |
| F1 TEB OPEN3 | 6 NOTASULGA DR. SW ROME, GA 30161 | TRANSAMERICA LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | PO BOX 803507 DALLAS, TX 75380 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | — | $4K | 14.12% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | PO BOX 3870 LITTLE ROCK, AR 72203 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $893 | — | $893 | 2.87% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF ARKANSAS | PO BOX 803507 DALLAS, TX 753803507 | STANDARD INSURANCE COMPANY | $779 | — | $779 | 5.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | MSC 17149 PO BOX 803507 DALLAS, TX 75380 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $885 | — | $885 | 8.44% |
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 | 463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 297 | $137K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 427 | $47K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 542 | $226K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $167K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $133K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 546 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.