| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $14K | 12.09% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFIT & INSURANCE SERVICES | 9755 PATUXENT WOODS DRIVE FLOOR 2 COLUMBIA, MD 21046 | METROPOLITAN LIFE INSURANCE COMPANY | — | $39 | $39 | 0.03% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 1111 METROPOLITAN AVE SUITE 400 CHARLOTTE, NC 28204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 11.31% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 160 W SANTA CLARA ST SUITE 675 SAN JOSE, CA 95113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.69% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $712 | $712 | 1.13% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 1111 METROPOLITAN AVE SUITE 400 CHARLOTTE, NC 28204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 11.22% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 160 W SANTA CLARA ST SUITE 675 SAN JOSE, CA 95113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.77% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $499 | $499 | 1.12% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 1111 METROPOLITAN AVE SUITE 400 CHARLOTTE, NC 28204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.49% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 160 W SANTA CLARA ST SUITE 675 SAN JOSE, CA 95113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $851 | — | $851 | 2.52% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $380 | $380 | 1.12% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 1111 METROPOLITAN AVE SUITE 400 CHARLOTTE, NC 28204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $339 | — | $339 | 11.21% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 160 W SANTA CLARA ST SUITE 675 SAN JOSE, CA 95113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $115 | — | $115 | 3.80% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $34 | $34 | 1.12% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $118K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $118K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 242 | $66K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $34K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $44K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.