| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATION LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $125K | $79 | $125K | 3.74% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATION LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 0.31% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATION LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $114K | $79 | $114K | 3.58% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATION LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 0.30% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATION LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $64K | $79 | $64K | 2.80% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATION LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 0.42% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $626K | — | $626K | 30.82% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMBINED INSURANCE COMPANY OF AMERICA | $107K | — | $107K | 7.62% |
| VARIOUS - SEE ATTACHMENT3 | POST OFFICE BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49K | — | $49K | 11.98% |
| AON CONSULTING INC3 Filed as: AON HEWITT | ONE PIEDMONT CENTER, SUITE 600 ATLANTA, GA 30305 | DELTA DENTAL INSURANCE COMPANY | $16K | — | $16K | 4.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HYATT LEGAL PLANS OF FLORIDA | $10K | — | $10K | 6.41% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES, LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | HYATT LEGAL PLANS OF FLORIDA | $6K | — | $6K | 4.00% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | P.O. BOX 95135 CHICAGO, IL 60694 | HYATT LEGAL PLANS OF FLORIDA | — | $359 | $359 | 0.23% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS OF FLORIDA | — | $49 | $49 | 0.03% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMBINED INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.14% |
| NEWSOM RAYMOND P3 | 80 INTERNATIONAL DR STE 425 GREENVILLE, SC 29615 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $934 | — | $934 | 11.86% |
| MOORE ANDREW L3 | 4695 MACARTHUR CT STE 1000 NEWPORT BEACH, CA 92660 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $89 | — | $89 | 1.13% |
| MCCRAY HENRY W JR.3 | 3550 LENOX RD NE STE 1100 ATLANTA, GA 30326 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $4 | $4 | 0.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 24.99% |
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 | 11,082 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 9,478 | $2.0M |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 20,020 | $6.8M |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 16,646 | $1.4M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 8,484 | $3.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 11,715 | $2.3M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,479 | $3.2M |
| Other(7 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19,832 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,020 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.