| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NJ | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $103K | $103K | 1.43% |
| AON CONSULTING INC Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $24K | $24K | 0.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NJ | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $84K | $84K | 1.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $20K | $20K | 0.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NJ | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $61K | $61K | 1.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 0.37% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, NC 606731299 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $104K | — | $104K | 14.85% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | $25K | $79 | $25K | 7.45% |
| CFN AGENCY INC Filed as: CFN AGENCY, INC. | 4450 RIVER GREEN PARKWAY STE 100A DULUTH, GA 300968326 | METLIFE | $25K | — | $25K | 7.43% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | — | $3K | $3K | 0.83% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | — | $2K | $2K | 0.45% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | $11K | $79 | $11K | 7.47% |
| CFN AGENCY INC Filed as: CFN AGENCY, INC. | 4450 RIVER GREEN PARKWAY STE 100A DULUTH, GA 300968326 | METLIFE | $11K | — | $11K | 7.42% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | — | $1K | $1K | 0.80% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | — | $729 | $729 | 0.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONNECTICUT GENERAL LIFE INSURANCE CLAIMS PROCESSING | Other services; Direct payment from the plan; Contract Administrator; Participant communication; Float revenue; Named fiduciary; Non-monetary compensation; Claims processing Service code 12 | 5089 COLLECTION CENTER DR CHICAGO, IL 60693 | $10.1M |
| AON EIN 23-2293237 CONSULTING | Consulting (general) Service code 16 | — | $994K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $590K |
| VSP EIN 06-1227840 CLAIMS PROCESSING | Claims processing Service code 12 | — | $381K |
| WOMBLE CARLYLE SANDRIDGE & RICE LLC EIN 56-0308470 LEGAL | Legal Service code 29 | — | $21K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 ACCOUNTING | Accounting (including auditing) Service code 10 | — | $13K |
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 | 23,503 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 23,534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METLIFE | 5,433 | $153K |
| Vision | VISION SERVICE PLAN | 17,170 | $2.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 23,076 | $5.9M |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 13,206 | $4.8M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 21,653 | $8.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 9,757 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,076 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.