| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $209K | $36K | $244K | 13.67% |
| AON CONSULTING INC3 Filed as: AON CONSULTING/DC | 1120 20TH STREET NW SUITE 600 WASHINGTON, DC 20036 | DELTA DENTAL OF VIRGINIA | $76K | — | $76K | 4.57% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, ID 60673 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $6K | $958 | $7K | 10.72% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET SUITE 900 CHICAGO, IL 60601 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | — | $66 | $66 | 0.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1100 REYNOLDS BOULEVARD WINSTON-SALEM, NC 27105 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | — | $55 | $55 | 0.08% |
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 | 2,194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES INC | 278 | $1.7M |
| Dental | DELTA DENTAL OF VIRGINIA | 4,455 | $1.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,456 | $1.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,456 | $1.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,456 | $1.8M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,456 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,455 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.