| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC | PO BOX 803507 DALLAS, TX 75380 | HARTFORD LIFE AND ACCIDENT | $380K | — | $380K | 15.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $31K | $31K | 1.21% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 ST LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 0.17% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC | 315 WEST 3RD STREET LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $15K | — | $15K | 1.99% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS SOUTHWEST INC | 315 WEST 3RD STREET LITTLE ROCK, AR 72201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37K | — | $37K | 19.86% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC | PO BOX 955909 ST LOUIS, MO 631955909 | VISION SERVICE PLAN | $17K | — | $17K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $1.0M |
| AON RISK SVCS SOUTHWEST INC EIN 75-1317377 BROKER | Other commissions Service code 55 | PO BOX 803507 DALLAS, TX 75380 | $58K |
| VISION SERVICE PLAN EIN 75-1769288 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $46K |
| AON CONSULTING INC NEW JERSEY INC BROKER | Other commissions Service code 55 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | $0 |
| AON RISK SERVICES CENTRAL INC BROKER | Other commissions Service code 55 | PO BOX 955816 ST LOUIS, MO 63195 | $0 |
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 | 3,283 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 3,416 | $740K |
| Vision | VISION SERVICE PLAN | 1,391 | $170K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,000 | $2.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,000 | $2.5M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,081 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,416 | — |
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.