| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $167K | $167K | 0.98% |
| AON CONSULTING INC3 Filed as: AON CONSULTING AND INSUR. SERVICES | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $95 | $28K | 0.17% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $83K | $83K | 0.87% |
| AON CONSULTING INC3 Filed as: AON CONSULTING AND INSURANCE SERVIC | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $95 | $5K | 0.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING AND INSURANCE SVCS. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2K | $4K | 2.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING AND INSURANCE SERVIC | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $95 | $95 | 1.32% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $64 | $64 | 0.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHERN TRUST COMPANY EIN 36-1561860 CUSTODY & FEES | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $30K |
| PRICEWATERHOUSECOOPERS LLP EIN 13-4008324 ACCOUNTING | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $29K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74,255 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 74,255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 2,571 | $4.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 18 | $7K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 38,520 | $26.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,520 | — |
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.