| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.88% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 7.25% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | 4.84% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.27% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | HM LIFE INSURANCE COMPANY | $471 | — | $471 | 12.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL INSURANCE COMPANY | $122 | — | $122 | 9.99% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 203334 FLORIDA LOCKBOX DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30 | $19 | $49 | 4.90% |
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 | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 495 | $47K |
| Vision | HM LIFE INSURANCE COMPANY | 244 | $4K |
| Life insurance | STANDARD INSURANCE COMPANY | 416 | $106K |
| Short-term disability | STANDARD INSURANCE COMPANY | 136 | $44K |
| Long-term disability | STANDARD INSURANCE COMPANY | 411 | $68K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 416 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.