| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 106 S. ST. MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | BLUE CROSS AND BLUE SHIELD OF TEXAS | $112K | — | $112K | 1.60% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | AON CONSULTING INC 29840 NETWORK PLACE CHICAGO, IL 606731298 | BLUE CROSS AND BLUE SHIELD OF TEXAS | $57K | — | $57K | 0.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | BLUE CROSS AND BLUE SHIELD OF TEXAS | — | $8K | $8K | 0.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | AON CONSULTING INC 29840 NETWORK PLACE CHICAGO, IL 606731298 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 1.28% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $649 | $649 | 0.21% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE CO. | $489 | — | $489 | 3.01% |
| AON CONSULTING INC3 | 199 WATER STREET NEW YORK, NY 10038 | HARTFORD LIFE AND ACCIDENT | — | $116 | $116 | 1.46% |
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 | 613 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF TEXAS | 881 | $7.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF TEXAS | 881 | $7.0M |
| Vision | AETNA LIFE INSURANCE CO. | 735 | $43K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 736 | $313K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 736 | $313K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 736 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 881 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.