| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPLITAN LIFE INSURANCE COMPANY | $6K | $4K | $9K | 7.49% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES ILLINOIS | 4130 PARKLAKE AVENUE SUITE 110 RALEIGH, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES ILLINOIS | 4130 PARKLAKE AVENUE SUITE 110 RALEIGH, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $869 | — | $869 | 3.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES ILLINOIS | 4130 PARKLAKE AVENUE SUITE 110 RALEIGH, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $707 | — | $707 | 4.02% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES ILLINOIS | 4130 PARKLAKE AVENUE SUITE 110 RALEIGH, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $142 | — | $142 | 4.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AON CONSULTING NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | P.O. BOX 905494 CHARLOTTE, NC 28290 | $38K |
| AETNA LIFE INSURANCE CO EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $30K |
| ACA TRACK, LLC NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | PO BOX 1285 WALLED LAKE, MI 48390 | $23K |
| VIVERAE NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | 10670 N. CENTRAL EXPRESSWAY SUITE 700 DALLAS, TX 75231 | $12K |
| FIRST CITIZENS BANK & TRUST COMPANY NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | PO BOX 29522 RALEIGH, NC 27626 | $8K |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPLITAN LIFE INSURANCE COMPANY | 423 | $123K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 208 | $18K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 205 | $3K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 205 | $29K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 208 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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.