| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | BLUE CROSS BLUE SHIELD OF FLORIDA | $171K | — | $171K | 3.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E RANDOLPH STREET 10TH FLOOR CHICAGO, IL 60601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.58% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | VARIOUS AGENTS - SEE ATTACHED 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $18K | $403 | $19K | 15.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $849 | $4K | 6.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $822 | $11K | 17.65% |
| AON CONSULTING INC3 | 29830 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $90 | $6K | 10.06% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.76% |
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 | 1,449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 1,037 | $5.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 859 | $280K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,236 | $58K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,637 | $128K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 1,037 | $5.7M |
| Other(4 contracts, 3 carriers) | AFLAC | 1,637 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,637 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.