| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - WINSTON-SALEM | 100 N MAIN STREET SUITE 2200 WINSTON-SALEM, NC 27101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $38K | $38K | 2.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - WINSTON-SALEM | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM INSURANCE COMPANY | $34K | — | $34K | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - WINSTON-SALEM | 100 N MAIN STREET SUITE 2200 WINSTON-SALEM, NC 27101 | UNUM INSURANCE COMPANY | — | $4K | $4K | 2.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - WINSTON-SALEM | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM INSURANCE COMPANY | $20K | — | $20K | 20.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING-WINSTON-SALEM | 100 N MAIN STREET SUITE 2200 WINSTON-SALEM, NC 27101 | UNUM INSURANCE COMPANY | — | $3K | $3K | 2.51% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 9.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - WINSTON-SALEM | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM INSURANCE COMPANY | $7K | — | $7K | 17.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - WINSTON-SALEM | 100 N MAIN STREET SUITE 2200 WINSTON-SALEM, NC 27101 | UNUM INSURANCE COMPANY | — | $887 | $887 | 2.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | LOCKBOX 741738 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $151 | $151 | 0.89% |
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 | 1,974 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,004 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 9 | $94K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 9 | $79K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE COMPANY AMERICA | 4,471 | $218K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,992 | $1.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,992 | $1.5M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,992 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,471 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.