| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $1K | $1K | 0.71% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $2K | $15K | 16.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $2K | $15K | 16.69% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $1K | $13K | 16.71% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.74% |
| AON CONSULTING INC3 | 200 CLAYTON STREET SUITE 800 DENVER, CO 80206 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 65.02% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $95 | $95 | 5.58% |
| AON CONSULTING INC3 | 200 CLAYTON STREET SUITE 800 DENVER, CO 80206 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $686 | — | $686 | 70.07% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $128 | $128 | 13.07% |
| AON CONSULTING INC3 | 200 CLAYTON STREET SUITE 800 DENVER, CO 80206 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $221 | — | $221 | 54.98% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20 | $20 | 4.98% |
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 | 659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 490 | $209K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 713 | $43K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 660 | $92K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 660 | $92K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 207 | $76K |
| Other(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 660 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 713 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.