| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 555 E. LANCASTER AVE. RADNOR, PA 19087 | SUN LIFE ASSURANCE COMPANY OF CANADA | -$5K | — | -$5K | -1.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PL. 14TH FLOOR ITASCA, IL 60143 | LEGAL CLUB OF AMERICA | $491 | — | $491 | 12.26% |
| TOTAL BENEFIT SOLUTIONS3 | UNKKNOWN HOUSTON, TX 77002 | LEGAL CLUB OF AMERICA | $341 | — | $341 | 8.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - TEXAS | 29840 NETWORK PLACE CHICAGO, IL 60673 | LEGAL CLUB OF AMERICA | $168 | — | $168 | 4.20% |
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 | 549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 297 | $14K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 552 | $280K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 552 | $280K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 553 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.