| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INS. SERVICES WEST INC. | 75 REMITTANCE DRIVE DEPT 1446 C/O NORTH TRUST BANK CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $40 | $6K | 21.75% |
| AON CONSULTING INC3 Filed as: AON RISK INS. SERVICES WEST INC. | PO BOX 905494 CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $526 | $526 | 1.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $75 | $75 | 0.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $55 | $55 | 0.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $40 | $40 | 0.21% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 75 REMITTANCE DRIVE DEPT 1446 C/O NORTHERN TRUST BANK CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $40 | $3K | 22.06% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST, INC. | PO BOX 905494 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $237 | $237 | 1.89% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $34 | $34 | 0.27% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $19K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 138 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.