| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH INC | 29840 NETWORK PACE CHICAGO, IL 606701298 | BLUECHOICE HEALTHPLAN | $420K | — | $420K | 2.45% |
| HEWITT INSURANCE BROKERAGE LLC3 | HEWITT INS BRKG/AON EXCHANGE 39030 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | — | $86K | $86K | 5.57% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731288 | HARTFORD LIFE AND ACCIDENT | $59K | $13K | $71K | 4.60% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH INC | PO BOX 955909 ST. LOUIS, MO 631955909 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 1.58% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.16% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS SOUTH INC | 29840 NETWORK PLACE CHICAGO, ID 606731298 | DELTA DENTAL OF MISSOURI | $50K | — | $50K | 4.88% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH INC | PO BOX 956012 ST. LOUIS, MO 60675 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $29K | — | $29K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 1901 MAIN STREET SUITE 300 IRVINE, CA 92614 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 2.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | AN AON CORPORATION 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41K | $2K | $44K | 25.18% |
| HEWITT INSURANCE BROKERAGE LLC3 | 38030 TREASURY CENTER CHICAGO, IL 606949300 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 5.27% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $2K | $2K | 0.90% |
| CUSTOM BENEFIT PROGRAMS INC3 | AN AON CORPORATION 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47K | — | $47K | 37.29% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IA 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $467 | $3K | 2.11% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 5.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.17% |
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 | 2,776 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,805 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN | 1,725 | $17.2M |
| Dental | DELTA DENTAL OF MISSOURI | 3,224 | $1.0M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,748 | $292K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,688 | $1.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,688 | $1.6M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,688 | $1.6M |
| Prescription drug | BLUECHOICE HEALTHPLAN | 1,725 | $17.2M |
| Other(4 contracts, 3 carriers) | BLUECHOICE HEALTHPLAN | 2,776 | $17.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,688 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.