| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $69K | — | $69K | 5.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 4 OVERTON POINT LINCOLNSHIRE, IL 60069 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 4 OVERTON POINT LINCOLNSHIRE, IL 60069 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 282905494 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $587 | — | $587 | 6.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | AETNA EMPLOYEE ASSISTANCE PROGRAM | $286 | — | $286 | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSLTING | PO BOX 905494 CHARLOTTE, NC 282905494 | LEGALPLANS USA | $317 | — | $317 | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 4 OVERTON POINT LINCOLNSHIRE, IL 60069 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $193 | — | $193 | 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 | 266 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 223 | $1.2M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 223 | $1.2M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 127 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 53 | $42K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 73 | $33K |
| Other(3 contracts, 3 carriers) | AETNA EMPLOYEE ASSISTANCE PROGRAM | 251 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.