| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. LOUISVILLE | PO BOX 905494 CHARLOTTE, NC 28290 | DELTA DENTAL OF KENTUCKY | $411 | — | $411 | 0.41% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $531 | $4K | 6.13% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $254 | $4K | 11.35% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 200 EAST RANDOLF STREET CHICAGO, IL 60601 | FSL | $2K | $0 | $2K | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $684 | $54 | $738 | 12.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. LOUISVILLE | PO BOX 905494 CHARLOTTE, NC 28290 | COMPBENEFITS, DENTAL, INC. | $411 | — | $411 | 7.28% |
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 | 337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KENTUCKY | 340 | $106K |
| Vision | FSL | 358 | $19K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 40 | $67K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 337 | $33K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 445 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.