| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 5600 W. 83RD. STREET 8200 TOWER STE. 1100 MINNEAPOLIS, MN 55437 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | $2K | $31K | 10.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 5600 W. 83RD. STREET 8200 TOWER STE. 1100 MINNEAPOLIS, MN 55437 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $2K | $27K | 10.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 5600 W. 83RD. STREET 8200 TOWER STE. 1100 MINNEAPOLIS, MN 55437 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $605 | $11K | 10.60% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 5600 W. 83RD. STREET 8200 TOWER STE. 1100 MINNEAPOLIS, MN 55437 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $126 | $2K | 10.68% |
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 | 841 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 844 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,231 | $74K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,023 | $250K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 713 | $303K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 713 | $101K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 841 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,231 | — |
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.