| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.58% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $48 | $48 | 0.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $935 | $5K | 9.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 606731298 | ALLSTATE BENEFITS | $4K | — | $4K | 8.61% |
| CUNDY, INC.3 Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | ALLSTATE BENEFITS | $1K | — | $1K | 2.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORRON CORP OF GA | LOCKBOX 905260 806 TYVOLA ROAD, SUITE 108 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $59 | — | $59 | 0.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 14.98% |
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 | 684 | 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) | 684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,403 | $7.1M |
| Dental | AETNA LIFE INSURANCE CO. | 1,403 | $7.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,150 | $96K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 841 | $333K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 684 | $109K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 308 | $52K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,403 | $7.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,403 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.