| 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 | $146K | — | $146K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $104K | $23K | $127K | 9.07% |
| AON CONSULTING INC0 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $17K | $17K | 1.19% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $451K | — | $451K | 68.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN | $63K | — | $63K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $9K | $9K | 1.63% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE, STE 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 0.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETRWORK PLACE CHICAGO, IL 606731296 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $6K | $6K | 1.65% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE, STE 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 0.45% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $792 | $8K | 2.67% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26K | — | $26K | 18.98% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | — | $3K | 18.71% |
| 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% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 16.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $1.7M |
| AON NONE | Direct payment from the plan; Contract Administrator Service code 13 | 200 E RANDOLPH ST CHICAGO, IL 60601 | $535K |
| CURALINC, LLC EIN 33-1206383 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $138K |
| LIBERTY MUTUAL NONE | Direct payment from the plan; Insurance services Service code 23 | 175 BERKELEY STREET BOSTON, MA 02116 | $75K |
| DISCOVERY BENEFITS NONE | Contract Administrator; Direct payment from the plan Service code 13 | 4321 20 TH AVENUE S FARGO, ND 58103 | $53K |
| EQUIFAX INC. NONE | Legal; Direct payment from the plan Service code 29 | P.O. BOX 740241 ATLANTA, GA 30374 | $45K |
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 | 5,184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 77 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 246 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,279 | $691K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 7,462 | $3.0M |
| Vision | VISION SERVICE PLAN | 3,417 | $626K |
| Life insurance(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,184 | $1.7M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,145 | $359K |
| Long-term disability(5 contracts, 4 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,278 | $740K |
| Other(6 contracts, 5 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,265 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,462 | — |
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.