| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1001 BRICKELL BAY DRIVE SUITE 1000 MIAMI, FL 33131 | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 14.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 606731298 | ALLSTATE BENEFITS | $2K | — | $2K | 10.87% |
| CUNDY, INC.3 Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | ALLSTATE BENEFITS | $247 | — | $247 | 1.21% |
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 | 631 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 701 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 538 | $8.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 538 | $8.1M |
| Vision | HM LIFE INSURANCE COMPANY | 765 | $51K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 740 | $317K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 572 | $139K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 223 | $229K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | 585 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 765 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.