| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUECHOICE HEALTH PLAN | $315K | — | $315K | 1.43% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $132K | $35K | $167K | 10.27% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH INC | 1100 REYNOLDS BOULEVARD WINSTON-SALEM, NC 27105 | DELTA DENTAL OF MISSOURI | $93K | — | $93K | 6.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC. | PO BOX 955909 SAINT LOUIS, MO 631955909 | VISION SERVICE PLAN | $11K | — | $11K | 4.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | FEDERAL INSURANCE COMPANY | $0 | — | $0 | — |
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 | 2,014 | 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) | 2,014 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTH PLAN | 1,864 | $22.0M |
| Dental | DELTA DENTAL OF MISSOURI | 4,061 | $1.4M |
| Vision | VISION SERVICE PLAN | 1,743 | $235K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,043 | $1.6M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,043 | $1.6M |
| Prescription drug | BLUECHOICE HEALTH PLAN | 1,864 | $22.0M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,043 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,061 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.