| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - ATLANTA | 29840 NETWORK PLACE CHICAGO, ID 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | $6K | $60K | 11.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $594 | $36K | 9.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.98% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 0.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ATLANTA | 29840 NETWORK PLACE CHICAGO, ID 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $3K | $28K | 11.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ATLANTA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | — | $48K | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ATLANTA | 29840 NETWORK PLACE CHICAGO, ID 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $4K | $29K | 12.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 5 CONCOURSE PKWY NE 18TH FLOOR ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $339 | $18K | 7.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ATLANTA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM INSURANCE COMPANY | $29K | $2K | $31K | 17.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ATLANTA | 29840 NETWORK PLACE CHICAGO, ID 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $15K | 11.22% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ATLANTA | 29840 NETWORK PLACE CHICAGO, ID 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 11.15% |
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 | 3,312 | 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) | 3,312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,951 | $720K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,017 | $683K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,017 | $683K |
| Other(8 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,312 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,312 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.