| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 75 REMITTANCE DRIVE 1446 CHICAGO, IL 606750001 | DELTA DENTAL OF KENTUCKY | $541 | — | $541 | 0.52% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $666 | $3K | 5.41% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $399 | $4K | 9.80% |
| 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 Filed as: AON RISK SERVICES CENTRAL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $108 | $1K | 10.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. LOUISVILLE | PO BOX 905494 CHARLOTTE, NC 282905494 | COMPBENEFITS, DENTAL, INC. | $404 | — | $404 | 7.99% |
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 | 345 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KENTUCKY | 374 | $109K |
| Vision | FSL | 369 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 448 | $58K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 336 | $36K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 448 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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."
No prospect flags tripped on this filing.