| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $121K | — | $121K | 6.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $77K | — | $77K | 6.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $101K | $12K | $113K | 16.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | — | $30K | 6.00% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $46K | — | $46K | 12.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | TRANSAMERICA INSURANCE CO. | $23K | — | $23K | 6.10% |
| WEB TPA3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $15K | — | $15K | 3.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED HEALTHCARE INSURANCE COMPANY | $33K | — | $33K | 10.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 6.00% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $17K | — | $17K | 15.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLS OF NORTH CAROLINA | LOCKBOX 905554 806 TRYVOLA ROAD CHARLOTTE, NC 28282 | TRANSAMERICA INSURANCE CO. | $7K | — | $7K | 6.28% |
| WEB TPA3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $5K | — | $5K | 4.15% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE INSURANCE | $8K | — | $8K | 7.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | STONEBRIDGE LIFE INSURANCE | $3K | — | $3K | 3.33% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE INSURANCE | $5K | — | $5K | 9.79% |
| WILLS OR NORTH CAROLINA3 | LOCKBOX 905554 806 TRYVOLA ROAD CHARLOTTE, NC 28217 | STONEBRIDGE LIFE INSURANCE | $652 | — | $652 | 1.32% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 9.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | HYATT LEGAL PLANS | $3K | — | $3K | 11.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 220 WEST MAIN STREET SUITE 1800 LOUISVILLE, KY 40202 | HYATT LEGAL PLANS | — | $525 | $525 | 2.26% |
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 | 2,413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,436 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 265 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,112 | $1.6M |
| Dental | AETNA LIFE INSURANCE CO. | 3 | $49K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,985 | $323K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,773 | $2.1M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,631 | $1.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,569 | $503K |
| Prescription drug(4 contracts, 3 carriers) | TUFTS HEALTH PLAN MEDICARE PREFERRED | 110 | $560K |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,112 | $918K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,773 | — |
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.