| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $113K | $113K | 1.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NJ | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $20K | $20K | 0.26% |
| AON CONSULTING INC4 Filed as: AON CONSULTING OF NJ | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $60K | $60K | 1.52% |
| AON CONSULTING INC4 Filed as: AON RISK SERVICES | 29840 NETWORK PLACE CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 0.26% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | — | $42K | $42K | 1.24% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | — | $77 | $77 | 0.00% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $25K | $25K | 1.49% |
| AON CONSULTING INC6 Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 0.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NJ | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $96K | $96K | 6.21% |
| AON CONSULTING INC4 Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $17K | $17K | 1.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, NC 606731299 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 1.29% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 1.45% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | $49K | $77 | $49K | 9.48% |
| CFN AGENCY INC4 Filed as: CFN AGENCY, INC. | 4450 RIVER GREEN PARKWAY STE 100A DULUTH, GA 300968326 | METLIFE | $49K | — | $49K | 9.46% |
| AON CONSULTING INC5 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | — | $3K | $3K | 0.61% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | — | $2K | $2K | 0.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | $21K | $77 | $21K | 9.43% |
| CFN AGENCY INC4 Filed as: CFN AGENCY, INC. | 4450 RIVER GREEN PARKWAY STE 100A DULUTH, GA 300968326 | METLIFE | $21K | — | $21K | 9.39% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | — | $1K | $1K | 0.61% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE | — | $635 | $635 | 0.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONNECTICUT GENERAL LIFE INSURANCE EIN 59-1031071 CLAIMS PROCESSING | Contract Administrator; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary; Participant communication; Float revenue Service code 12 | 5089 COLLECTION CENTER DR CHICAGO, IL 60693 | $11.5M |
| AON EIN 23-2293237 CONSULTING | Consulting (general) Service code 16 | — | $1.3M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $623K |
| WOMBLE CARLYLE SANDRIDGE & RICE LLC EIN 56-0308470 LEGAL | Legal Service code 29 | — | $117K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 ACCOUNTING | Accounting (including auditing) Service code 10 | — | $23K |
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 | 22,260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 355 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 22,615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METLIFE | 6,544 | $222K |
| Vision | METLIFE | 40,115 | $3.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 24,741 | $7.4M |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 15,230 | $4.7M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 26,353 | $3.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,376 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40,115 | — |
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.