| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING-BETHESDA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $83K | $83K | 3.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING-BALTIMORE | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $5K | $18K | 4.94% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 606731298 | DELTA DENTAL OF DISTRICT OF COLUMBIA | $6K | — | $6K | 3.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING-BALTIMORE | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 15.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING-BALTIMORE | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $391 | $5K | 16.25% |
| HENRY B THOMAS3 Filed as: HENRY B FRANKLIN | 11350 MCCORMICK RD, STE 200 EP4 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING-BALTIMORE | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIRST UNUM LIFE INSURANCE COMPANY | $793 | $66 | $859 | 16.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMINISTRATION | Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Other services; Named fiduciary; Participant communication; Non-monetary compensation Service code 12 | — | $5K |
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 | 200 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 182 | $2.8M |
| Dental | DELTA DENTAL OF DISTRICT OF COLUMBIA | 280 | $164K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $365K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $371K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $365K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.