| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 5.59% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE 1446 ACCT 30215288 CHICAGO, IL 606750001 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $746 | $4K | 6.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | — | $168 | $168 | 0.28% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE 1446 ACCT 30215288 CHICHAGO, IL 606760001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40 | $40 | 0.07% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.64% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | FSL | $2K | — | $2K | 10.00% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | COMPBENEFITS | $940 | — | $940 | 9.37% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $861 | — | $861 | 12.00% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $71K |
| Vision | FSL | 309 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 514 | $65K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 357 | $35K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 357 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.