| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - MIAMI | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $117K | $117K | 4.32% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE INC OF FL | PO BOX 955909 ST. LOUIS, MO 63195 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.53% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 631955909 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $925 | $11K | 10.79% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FL | PO BOX 955909 ST. LOUIS, MO 63195 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.52% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 23.43% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | — | $968 | $968 | 2.54% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE INC OF FL | PO BOX 955909 ST. LOUIS, MO 63195 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $340 | $340 | 1.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - JACKSONVILLE | 200 E RANDOLPH ST CHICAGO, IL 60601 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 8.91% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FL | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 322240229 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $402 | — | $402 | 2.02% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON CORPORATION PO BOX 419623 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $215 | $2K | 18.52% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF FLORIDA | $480 | — | $480 | 9.99% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX BOX 955909 ST. LOUISE, MO 63195 | CIGNA DENTAL HEALTH PLAN OF VIRGINIA, INC. | $66 | — | $66 | 9.94% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $58 | — | $58 | 10.07% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $29 | — | $29 | 10.07% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $27 | — | $27 | 10.15% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC | $22 | — | $22 | 9.95% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 269 | $2.7M |
| Dental(7 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 129 | $112K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 268 | $20K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $93K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $150K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 190 | $22K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 269 | $2.7M |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 247 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.