| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HEALTH MARKET INS. SOLUTIONS | 199 FREMONT STREET, 15TH FLOOR SAN FRANCISCO, CA 94105 | BLUECROSS BLUESHIELD OF TEXAS | $10K | $29 | $10K | 0.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 200 EAST RANDOLPH STREET, SUITE 500 CHICAGO, IL 60601 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.65% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 21.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 803507 DALLAS, TX 75380 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 339 | $2.4M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 339 | $2.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 133 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 260 | $154K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 260 | $154K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 260 | $154K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 339 | $2.4M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 260 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.
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.