| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | UNITED HEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 4.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION INC | $5K | $0 | $5K | 2.72% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | CIGNA GROUP INSURANCE | $10K | $826 | $10K | 7.60% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | CIGNA GROUP INSURANCE | $6K | $545 | $6K | 7.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | TUFTS INSURANCE COMPANY | $550 | — | $550 | 1.12% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGENCY INC | ONE GRIFFIN BROOK DR METHUEN, MA 01844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $154 | $3K | 12.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | CIGNA GROUP INSURANCE | $1K | $100 | $1K | 7.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES , INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 6101 CARNEGIE BLVD. CHARLOTTE, NC 28209 | $149K |
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 | 611 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS INSURANCE COMPANY | 5 | $49K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 611 | $862K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 611 | $862K |
| Life insurance(3 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 355 | $173K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27 | $20K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 355 | $103K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 611 | $862K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 611 | — |
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.