| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $75K | $80K | 1.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - CHICAGO | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $2K | $2K | 0.03% |
| CARLIE R RABON3 | 6135 PARK SOUTH DRIVE SUITE 510 CHARLOTTE, NC 282100100 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | $5K | $26K | 16.21% |
| ESKA & ASSOCIATES3 | 100 MIRACLE MILE CORAL GABLES, FL 33134 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 10.15% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MIAMI, FL | 29840 NETWORK PLACE CHICAGO, IL 60673 | ARMADACARE | $1K | — | $1K | 1.27% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $878 | $878 | 0.90% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE SUITE 1000 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $626 | $4K | 5.82% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $550 | $550 | 0.90% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE SUITE 1000 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $605 | $3K | 6.24% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | VARIOUS AGENTS - SEE ATTACHMENT 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $4K | $108 | $4K | 15.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 13.86% |
| VARIOUS - SEE ATTACHED3 Filed as: CONTINENTAL AMERICAN INSURANCE | VARIOUS AGENTS - SEE ATTACHMENT POST OFFICE BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 13.55% |
| LTC SOLUTIONS, INC.3 Filed as: LTC SOLUTIONS INC | 14715 NE 9TH STREET SUITE 200 REDMOND, WA 98052 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $110 | $110 | 0.90% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE SUITE 1000 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $221 | $38 | $259 | 5.87% |
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 | 650 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 557 | $8.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 557 | $7.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 557 | $7.9M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 651 | $138K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $49K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 649 | $259K |
| Other(8 contracts, 7 carriers) | ARMADACARE | 651 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 651 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.