| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE SUITE 1000 MIAMI, FL 33131 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $45K | $45K | 3.71% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE SUITE 1000 MIAMI, FL 33131 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 11.26% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE SUITE 1000 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $174 | $2K | 9.98% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE SUITE 1000 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $189 | $2K | 10.00% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE SUITE 1000 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $136 | $3K | 14.61% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $1K | — | $1K | 10.85% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE SUITE 1000 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $226 | $19 | $245 | 10.00% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $58K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 176 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 195 | $24K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 61 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $24K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.