| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | UNITED HEALTHCARE INSURANCE COMPANY | $51K | $0 | $51K | 9.36% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | 13901 SUTTON PARK DRIVE SOUTH BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $11K | $11K | 2.22% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.28% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $15K | $0 | $15K | 9.71% |
| AON CONSULTING INC3 | 29840 NEWTORK PLACE CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.82% |
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 | 1,223 | 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) | 1,223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,799 | $540K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,799 | $540K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,223 | $512K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,223 | $512K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,223 | $512K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,223 | $669K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,799 | — |
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.
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.