| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | HEALTH OPTIONS, INC. | $53K | — | $53K | 4.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | $19K | — | $19K | 4.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | USABLE LIFE | $2K | — | $2K | 5.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | VARIOUS AGENTS 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | $207 | $3K | 10.88% |
| AON CONSULTING INC3 | 29840 NETWORK PACE CHICAGO, IL 606731298 | PREFERRED LEGAL PLAN | $803 | — | $803 | 23.19% |
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 | 224 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 149 | $1.6M |
| Dental(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 204 | $146K |
| Vision | HUMANA INSURANCE COMPANY | 164 | $14K |
| Life insurance | USABLE LIFE | 224 | $35K |
| Short-term disability | AFLAC | 32 | $30K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 212 | $35K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 149 | $1.6M |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 224 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.