| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 1001 BRICKELL BAY DRIVE FL 10 MIAMI, FL 33131 | HEALTH OPTIONS, INC. | $43K | — | $43K | 4.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 1001 BRICKELL BAY DRIVE FL 10 MIAMI, FL 33131 | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | $14K | — | $14K | 4.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $525 | $4K | 13.89% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | VARIOUS AGENTS 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $5K | $44 | $5K | 17.89% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $436 | $4K | 16.89% |
| AON CONSULTING INC3 | 29840 NETWORK PACE CHICAGO, IL 606731298 | PREFERRED LEGAL PLAN | $1K | — | $1K | 19.71% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 130 | $1.3M |
| Dental | AETNA LIFE INSURANCE CO. | 288 | $117K |
| Vision | HUMANA INSURANCE COMPANY | 151 | $13K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $28K |
| Short-term disability | AFLAC | 38 | $28K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $23K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 130 | $1.3M |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
No prospect flags tripped on this filing.