| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTE, NC 282905494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $116K | $0 | $116K | 5.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $76K | $0 | $76K | 5.93% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $117K | $633 | $118K | 17.98% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 372043709 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $0 | $26K | 6.00% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $49K | $0 | $49K | 12.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | TRANSAMERICA INSURANCE CO. | $25K | $0 | $25K | 6.10% |
| WEB TPA3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $16K | $0 | $16K | 3.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 282905494 | UNITED HEALTHCARE INSURANCE COMPANY | $33K | $0 | $33K | 9.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | LIFE INSURANCE COMPANY OF NORTH AMREICA | $7K | $0 | $7K | 5.90% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $17K | $0 | $17K | 15.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 301 S. TRYON STREET #2600 TWO WACHOVIA CENTER CHARLOTTE, NC 28282 | TRANSAMERICA INSURANCE CO. | $7K | $0 | $7K | 6.29% |
| WEB TPA3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $5K | $0 | $5K | 4.41% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE INSURANCE | $8K | $0 | $8K | 7.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | STONEBRIDGE LIFE INSURANCE | $3K | $0 | $3K | 3.33% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE INSURANCE | $5K | $0 | $5K | 9.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | LOCKBOX 905554 805 TRYVOLA RD. CHARLOTTE, NC 28217 | STONEBRIDGE LIFE INSURANCE | $721 | $0 | $721 | 1.48% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 1100 REYNOLDS BOULEVARD WINSTON-SALEM, NC 27105 | HYATT LEGAL PLANS | $2K | $0 | $2K | 9.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HYATT LEGAL PLANS | $482 | $0 | $482 | 1.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 220 WEST MAIN STREET SUITE 1800 LOUISVILLE, KY 40202 | HYATT LEGAL PLANS | $0 | $460 | $460 | 1.86% |
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 | 2,924 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,685 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 81 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,690 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,512 | $1.7M |
| Dental | AETNA LIFE INSURANCE CO. | 13 | $72K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 2,330 | $350K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,278 | $2.0M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 632 | $1.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 632 | $438K |
| Prescription drug(4 contracts, 3 carriers) | TUFTS HEALTH PLAN MEDICARE PREFERRED | 118 | $609K |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,512 | $870K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,512 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.