| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731296 | METROPOLITAN LIFE INSURANCE COMPANY | $178K | $113 | $178K | 4.04% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $65K | $65K | 1.46% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.16% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731296 | METROPOLITAN LIFE INSURANCE POLICY | $73K | $113 | $73K | 4.15% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE POLICY | $0 | $29K | $29K | 1.68% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE POLICY | $0 | $3K | $3K | 0.16% |
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 | 7,538 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE POLICY | 8,999 | $1.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,396 | $4.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,396 | $4.4M |
| Other | METROPOLITAN LIFE INSURANCE POLICY | 8,999 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,999 | — |
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.