| 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 | — | $95K | $95K | 3.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING-BALTIMORE | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $6K | $20K | 4.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 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 | $24K | — | $24K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING-BALTIMORE | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $593 | $8K | 15.67% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - BALTIMORE | 1650 MARKET STREET, SUITE 1000 PHILADELPHIA, PA 19103 | 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 | $2K | $156 | $2K | 16.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - BALTIMORE | 1650 MARKET STREET, SUITE 1000 PHILADELPHIA, PA 19103 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | — | — | $0 | — |
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 | 252 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 200 | $3.2M |
| Dental | DELTA DENTAL OF DISTRICT OF COLUMBIA | 292 | $173K |
| Vision | VISION SERVICE PLAN | 0 | $0 |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $472K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $485K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $472K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $681K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.