| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 0.90% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $368 | $368 | 0.06% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH INC | PO BOX 551343 ATLANTA, GA 303553700 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 12.64% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $600 | $600 | 1.71% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2K | — | -$2K | -4.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MAGELLAN HEALTH SERVICE INC. | $2K | — | $2K | 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 | 651 | 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) | 651 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHSPRING LIFE & HEALTH INSURANCE COMPANY | 93 | $299K |
| Dental | DELTA DENTAL OF TENNESSEE | 1,447 | $452K |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 1,308 | $83K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 756 | $639K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 756 | $639K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 756 | $639K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 756 | $657K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,447 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.