| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 131 SOUTH DEARBORN 6TH FLOOR CHICAGO, IL 60603 | SUN LIFE ASSURANCE COMPANY OF CANADA | $117K | — | $117K | 6.55% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 606731288 | DELTA DENTAL INSURANCE COMPANY | $29K | — | $29K | 2.51% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731288 | DELTA DENTAL INSURANCE COMPANY | $6K | — | $6K | 0.49% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERITAS LIFE INSURANCE CORP | $22K | — | $22K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $2K | — | $2K | 6.85% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BOULEVARD SUITE 200 TAMPA, FL 33602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $2K | — | $2K | 5.41% |
| OWENS EMPLOYEE BENEFITS OF FLORIDA3 | 13650 FIDDLESTICKS BOULEVARD #202-264 FT MYERS, FL 33912 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $196 | — | $196 | 0.61% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | ALLSTATE WORKPLACE DIVISION | $2K | — | $2K | 12.46% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BOULEVARD SUITE 200 TAMPA, FL 33602 | ALLSTATE WORKPLACE DIVISION | $7 | — | $7 | 0.04% |
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 | 2,908 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,939 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 19,810 | $1.2M |
| Vision | AMERITAS LIFE INSURANCE CORP | 3,821 | $218K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,908 | $1.8M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,908 | $1.8M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,908 | $1.8M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,821 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,810 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.