| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | P.O. BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 6.00% |
| AON CONSULTING INC3 | P.O. BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 6.00% |
| AON CONSULTING INC3 | P.O. BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 6.00% |
| AON CONSULTING INC3 | P.O. BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 6.00% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $37K | — | $37K | 12.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 28290 | TRANSAMERICA INSURANCE CO. | $19K | — | $19K | 6.10% |
| WEB TPA3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $11K | — | $11K | 3.66% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $49K | $5K | $54K | 19.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED HEALTHCARE INSURANCE COMPANY | $27K | $7K | $33K | 13.85% |
| AON CONSULTING INC3 | P.O. BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.00% |
| AON CONSULTING INC3 | P.O. BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.00% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE INSURANCE | $6K | — | $6K | 7.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | STONEBRIDGE LIFE INSURANCE | $2K | — | $2K | 3.33% |
| AON CONSULTING INC3 | P.O. BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | HYATT LEGAL PLANS | $2K | $94 | $2K | 11.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 10 LANIDEX CENTER WEST PARSIPPANY, NJ 07054 | HYATT LEGAL PLANS | $0 | $47 | $47 | 0.23% |
| AON CONSULTING INC3 | P.O. BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $446 | — | $446 | 6.00% |
| AON CONSULTING INC3 | P.O. BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $390 | — | $390 | 6.00% |
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 | 1,777 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,093 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 85 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,955 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | TRANSAMERICA INSURANCE CO. | 3,568 | $830K |
| Life insurance(4 contracts) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 3,077 | $1.5M |
| Short-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 1,707 | $739K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 1,961 | $471K |
| Prescription drug | STONEBRIDGE LIFE INSURANCE | 55 | $75K |
| Other(6 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,051 | $461K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,568 | — |
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.