| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON INSURANCE BROKERAGE L | 2711 N HASKELL AVE. STE 800 DALLAS, TX 75204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 0.80% |
| BENEFIT COMMUNICATION INSOURCING3 | 6363 COLLEGE BLVD. STE 500 LEAWOOD, KS 662111887 | RELIASTAR LIFE INSURANCE COMPANY | $45K | — | $45K | 11.04% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | RELIASTAR LIFE INSURANCE COMPANY | $20K | — | $20K | 5.00% |
| AON CONSULTING INC3 Filed as: AON INSURANCE BROKERAGE L | 2711 N HASKELL AVE. STE 800 DALLAS, TX 75204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.73% |
| AON CONSULTING INC3 Filed as: AON INSURANCE BROKERAGE L | 2711 N HASKELL AVE. STE 800 DALLAS, TX 75204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $426 | $426 | 0.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 200 E. RANDOLPH ST. STE 800 CHICAGO, IL 60601 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $11 | $11 | 0.39% |
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 | 1,793 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 208 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,001 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUSHIELD OF OKLAHOMA | 4,295 | $21.1M |
| Dental | BLUECROSS BLUSHIELD OF OKLAHOMA | 4,295 | $21.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,755 | $661K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 14 | $3K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,755 | $326K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,359 | $469K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,295 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.