| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | AON CONSULTING INC 29840 NEWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $474 | $419 | $893 | 2.52% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | — | HARTFORD LIFE AND ACCIDENT | — | $81 | $81 | 0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 13.69% |
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 | 54 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 60 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 65 | $1.0M |
| Dental | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 65 | $1.0M |
| Vision | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 65 | $1.0M |
| Life insurance | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 65 | $1.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 65 | $35K |
| Prescription drug | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 65 | $1.0M |
| Other(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 65 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 65 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.