| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 1111 METROPOLITAN AVE STE 400 CHARLOTTE, NC 28204 | UNITEDHEATHCARE INSURANCE COMPANY | $5K | $41K | $46K | 2.68% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | UNITEDHEATHCARE INSURANCE COMPANY | $5K | — | $5K | 0.29% |
| AON CONSULTING INC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | LIFE INSURANCE COMPANY OF NORTH AMERICAN | $4K | $217 | $5K | 15.03% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICAN | $2K | — | $2K | 5.69% |
| AON CONSULTING INC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $198 | $4K | 15.06% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.64% |
| AON CONSULTING INC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $179 | $2K | 7.67% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $829 | — | $829 | 2.98% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | NATIONAL GAURDIAN LIFE INSURANCE COMPANY | $830 | — | $830 | 6.00% |
| AON CONSULTING INC3 | 1111 METROPOLITAN AVE STE 400 CHARLOTTE, NC 28204 | AETNA BEHAVIORAL HEALTH, LLC | $283 | — | $283 | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | LEGALPLANS USA | $327 | — | $327 | 10.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $153 | — | $153 | 7.11% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $62 | — | $62 | 2.88% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEATHCARE INSURANCE COMPANY | 263 | $1.7M |
| Dental | UNITEDHEATHCARE INSURANCE COMPANY | 263 | $1.7M |
| Vision | NATIONAL GAURDIAN LIFE INSURANCE COMPANY | 101 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $28K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICAN | 50 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 63 | $28K |
| Prescription drug | UNITEDHEATHCARE INSURANCE COMPANY | 263 | $1.7M |
| Other(3 contracts, 3 carriers) | AETNA BEHAVIORAL HEALTH, LLC | 266 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.