| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON HEWITT | 4 OVERLOOK POINT LINCOLSHIRE, IL 60069 | DELTA DENTAL INSURANCE COMPANY | $153K | — | $153K | 4.60% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $67K | $19K | $86K | 5.65% |
| AON CONSULTING INC0 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $9K | $9K | 0.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN | $70K | — | $70K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $8K | $8K | 1.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $5K | $5K | 1.24% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $40 | $16K | 5.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 220 W MAIN ST STE 1800 LOUISVILLE, KY 402021382 | METROPOLITAN LIFE INSURANCE COMPANY | — | $947 | $947 | 0.31% |
| AON CONSULTING INC3 | 1 PIEDMONT CTR NE STE 600 ATLANTA, GA 303051501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40 | $40 | 0.01% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41K | — | $41K | 28.45% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 17.28% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 23.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. DBA | AON CONSULTING OF NEW JERSEY 9500 LAKESIDE BLVD, BLDG 1 THE WOODLANDS, TX 77381 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH | $816 | — | $816 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE EIN 41-1289245 NONE | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $2.4M |
| AON NONE | Contract Administrator; Direct payment from the plan Service code 13 | 200 E RANDOLPH ST CHICAGO, IL 60601 | $320K |
| CURALINC, LLC EIN 33-1206383 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $80K |
| DISCOVERY BENEFITS NONE | Direct payment from the plan; Contract Administrator Service code 13 | 4321 20 TH AVENUE S FARGO, ND 58103 | $58K |
| EQUIFAX INC. NONE | Legal; Direct payment from the plan Service code 29 | P.O. BOX 740241 ATLANTA, GA 30374 | $45K |
| LIBERTY MUTUAL NONE | Insurance services; Direct payment from the plan Service code 23 | 175 BERKELEY STREET BOSTON, MA 02116 | $35K |
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 | 5,752 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 362 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $87K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 8,178 | $3.4M |
| Vision | VISION SERVICE PLAN | 3,712 | $697K |
| Life insurance(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,676 | $1.9M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,535 | $389K |
| Long-term disability(5 contracts, 4 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,743 | $805K |
| Other(5 contracts, 4 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,752 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,178 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.