| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 5555 SAN FELIPE STREET HOUSTON, TX 77056 | AMERITAS LIFE INSURANCE CORPORATION | $26K | — | $26K | 4.14% |
| PHILIP HEALY3 Filed as: PHILIP B HEALY | 4 MAIN STREET PETERBOROUGH, NH 03458 | AMERITAS LIFE INSURANCE CORPORATION | $8K | — | $8K | 1.28% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | — | $7K | 3.76% |
| PHILIP HEALY3 Filed as: PHILIP HEALY C/O D&S HOLDING | 4 MAIN STREET PETERBOROUGH, NH 03458 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | $2K | $5K | 2.64% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE SUITE 14 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 0.71% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $302 | $4K | 3.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | — | $4K | 3.74% |
| PHILIP HEALY3 Filed as: PHILIP HEALY C/O D&S HOLDING | 4 MAIN STREET PETERBOROUGH, NH 03458 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | $963 | $3K | 2.65% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE SUITE 14 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $704 | $704 | 0.74% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $3K | — | $3K | 5.00% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 16.85% |
| RT CONSULTING LLC3 Filed as: RT CONSULTING OF THE NORTHEAST | 4 MAIN STREET PETERBOROUGH, NH 03458 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.38% |
| PHILIP HEALY3 Filed as: PHILIP B HEALY | 4 MAIN STREET PETERBOROUGH, NH 03458 | TRANSAMERICA LIFE INSURANCE COMPANY | $894 | — | $894 | 1.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HUB INTERNATIONAL GULF SOUTH LI 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | TRANSAMERICA LIFE INSURANCE COMPANY | $466 | — | $466 | 0.76% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | TRANSAMERICA LIFE INSURANCE COMPANY | $432 | — | $432 | 0.71% |
| HIBERNIA INSURANCE AGENCY, LLC3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70001 | TRANSAMERICA LIFE INSURANCE COMPANY | $290 | — | $290 | 0.48% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES DIV 14 LLC PO BOX 674 WOODWARD, OK 73802 | TRANSAMERICA LIFE INSURANCE COMPANY | $178 | — | $178 | 0.29% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | TRANSAMERICA LIFE INSURANCE COMPANY | $81 | — | $81 | 0.13% |
| JAMES BRYAN WAGNER3 Filed as: JAMES B WAGNER | 650 POYDRAS STREET SUITE 2247 NEW ORLEANS, LA 70130 | TRANSAMERICA LIFE INSURANCE COMPANY | $16 | — | $16 | 0.03% |
| PHILIP HEALY3 Filed as: PHILIP B HEALY | 4 MAIN STREET PETERBOROUGH, NH 03458 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 20.02% |
| BENJAMIN ROBINSON3 | 116 ONYX STREET LAFAYETTE, LA 70506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $286 | — | $286 | 1.01% |
| PHILIP HEALY3 Filed as: PHILIP B HEALY | 4 MAIN STREET PETERBOROUGH, NH 03458 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 29.96% |
| BENJAMIN ROBINSON3 | 116 ONYX STREET LAFAYETTE, LA 70506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $160 | — | $160 | 4.00% |
| PHILIP HEALY3 Filed as: PHILIP B HEALY | 4 MAIN STREET PETERBOROUGH, NH 03458 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $580 | — | $580 | 30.22% |
| BENJAMIN ROBINSON3 | 116 ONYX STREET LAFAYETTE, LA 70506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.52% |
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 | 1,094 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 34 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 847 | $630K |
| Vision | VISION SERVICE PLAN | 743 | $68K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,387 | $119K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 446 | $96K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,093 | $175K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 919 | $365K |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,387 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,387 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.