| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | BLUE CROSS BLUE SHIELD OF GEORGIA | $131K | — | $131K | 5.96% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $55 | $50K | 10.05% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SVCS | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.27% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.16% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | THREE ALLIANCE CENTER 3550 LENNOX ROAD NE, SUITE 1700 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | — | $31K | 13.76% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | THREE ALLIANCE CENTER 3550 LENNOX ROAD NE, SUITE 1700 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 13.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | THREE ALLIANCE CENTER 3550 LENNOX ROAD NE, SUITE 1700 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 13.65% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.12% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAM INC | 897 12TH STREET HAMMTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $585 | $19K | 32.69% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $55 | $7K | 12.59% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS. SERVICES | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | — | $419 | $419 | 0.73% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAM INC | 897 12TH STREET HAMMTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $289 | $11K | 41.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $55 | $3K | 11.91% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS. SERVICES | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $46 | $197 | $243 | 0.88% |
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 | 3,590 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF GEORGIA | 1,544 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,873 | $495K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA | 1,544 | $2.2M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,590 | $195K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 419 | $224K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 689 | $124K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,590 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,590 | — |
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.