| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON HEWITT | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | DELTA DENTAL INSURANCE COMPANY | $97K | — | $97K | 3.76% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | DELTA DENTAL INSURANCE COMPANY | $32K | — | $32K | 1.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $88K | $20K | $108K | 7.75% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 956012 ST. LOUIS, MO 60675 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $14K | $14K | 0.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $221K | — | $221K | 24.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $8K | $8K | 1.43% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 956012 ST. LOUIS, MO 60675 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $3K | $3K | 0.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $52K | — | $52K | 9.18% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $5K | $5K | 1.37% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 956012 CHICAGO, IL 60675 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 0.62% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $154 | $6K | 2.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $716 | $716 | 0.31% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $23K | — | $23K | 19.09% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 14.91% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 25.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 9500 LAKESIDE BOULEVARD BLDG 1 THE WOODLANDS, TX 77381 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $9 | — | $9 | 10.11% |
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 | 3,621 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 179 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,595 | $968K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 6,670 | $2.6M |
| Vision | VISION SERVICE PLAN | 3,075 | $565K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,610 | $1.6M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,980 | $393K |
| Long-term disability(4 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,610 | $699K |
| Other(5 contracts, 4 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,610 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,670 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.