| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $73K | — | $73K | 6.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY BLDG 2, STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $32K | — | $32K | 2.80% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1240 FAIRWAY STREET P.O. BOX 1779 BOWLING GREEN, KY 42102 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 0.60% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - NASHVILLE | 75 REMITTANCE DRIVE STE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $227 | $57 | $284 | 3.91% |
| VAN METER INSURANCE3 Filed as: VAN METER INSURANCE, INC. | 109 SHINGLE WAY SUITE 101 FRANKLIN, TN 37067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $137 | $21 | $158 | 2.17% |
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 | 5,183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 561 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,744 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 469 | $954K |
| Dental | HMSA | 20 | $115K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 4,480 | $1.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,480 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.