| 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 | — | $114K | $114K | 1.44% |
| AON CONSULTING INC Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $27K | $27K | 0.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NJ | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $95K | $95K | 1.43% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $22K | $22K | 0.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NJ | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $65K | $65K | 1.40% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 29840 NETWORK PLACE CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $14K | $14K | 0.31% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | $0 | $71K | $71K | 2.29% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | $25K | $90 | $25K | 0.81% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | — | $11K | $11K | 0.37% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $24K | $24K | 1.47% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 0.34% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 1.19% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | $45K | $90 | $45K | 10.04% |
| CFN AGENCY INC Filed as: CFN AGENCY, INC. | 4450 RIVER GREEN PARKWAY STE 100A DULUTH, GA 300968326 | METLIFE | $45K | — | $45K | 10.02% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | — | $4K | $4K | 0.85% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | — | $1K | $1K | 0.33% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | $20K | $90 | $20K | 10.00% |
| CFN AGENCY INC Filed as: CFN AGENCY, INC. | 4450 RIVER GREEN PARKWAY STE 100A DULUTH, GA 300968326 | METLIFE | $20K | — | $20K | 9.95% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | — | $2K | $2K | 0.84% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | — | $641 | $641 | 0.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, NC 606731299 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $108K | $700 | $109K | 149.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONNECTICUT GENERAL LIFE INSURANCE CLAIMS PROCESSING | Named fiduciary; Float revenue; Claims processing; Participant communication; Contract Administrator; Direct payment from the plan; Non-monetary compensation Service code 12 | 5089 COLLECTION CENTER DR CHICAGO, IL 60693 | $10.9M |
| AON EIN 23-2293237 CONSULTING | Consulting (general) Service code 16 | — | $842K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $581K |
| WOMBLE CARLYLE SANDRIDGE & RICE LLC EIN 56-0308470 LEGAL | Legal Service code 29 | — | $57K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 ACCOUNTING | Accounting (including auditing) Service code 10 | — | $20K |
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 | 21,822 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 166 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 21,988 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METLIFE | 5,265 | $199K |
| Vision | METLIFE | 18,520 | $3.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 24,629 | $6.6M |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 14,085 | $5.5M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 23,101 | $9.5M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 10,927 | $933K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,629 | — |
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."
No prospect flags tripped on this filing.