| 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 | $67K | $72K | 1.01% |
| CARLIE R RABON3 | 6135 PARK SOUTH DRIVE SUITE 510 CHARLOTTE, NC 282100100 | PRINCIPAL LIFE INSURANCE COMPANY | $28K | $5K | $33K | 15.09% |
| ESKA & ASSOCIATES3 | 100 MIRACLE MILE CORAL GABLES, FL 33134 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | — | $22K | 10.16% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE SUITE 1000 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $9K | 5.61% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE SUITE 1000 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 5.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MIAMI, FL | 29840 NETWORK PLACE CHICAGO, IL 60673 | ARMADACARE | $1K | — | $1K | 1.20% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $888 | $888 | 0.73% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $635 | $635 | 0.77% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | VARIOUS AGENTS - SEE ATTACHMENT 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | $42 | $3K | 12.50% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $142 | $142 | 0.90% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE SUITE 1000 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $768 | — | $768 | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | KEMPER | $654 | — | $654 | 4.51% |
| VARIOUS - SEE ATTACHED3 Filed as: CONTINENTAL AMERICAN INSURANCE | VARIOUS AGENTS - SEE ATTACHMENT POST OFFICE BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $989 | — | $989 | 9.04% |
| LTC SOLUTIONS, INC.3 Filed as: LTC SOLUTIONS INC | 14715 NE 9TH STREET SUITE 200 REDMOND, WA 98052 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 14.80% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE SUITE 1000 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $306 | $58 | $364 | 5.95% |
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 | 654 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 668 | 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 | 563 | $7.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 563 | $7.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 563 | $7.1M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 652 | $247K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 648 | $163K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 648 | $341K |
| Other(8 contracts, 7 carriers) | ARMADACARE | 649 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 652 | — |
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.