| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC7 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 16.00% |
| AON CONSULTING INC7 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 16.38% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BNFT PROGRAMS INC | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 13.40% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS CENTRAL INC | PO BOX 955909 ST. LOUIS, MO 63195 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $713 | — | $713 | 2.79% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BNFT PROGRAMS INC | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 15.03% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS CENTRAL INC | PO BOX 955909 ST. LOUIS, MO 63195 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $526 | — | $526 | 2.56% |
| AON CONSULTING INC7 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 16.27% |
| AON CONSULTING INC7 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $123K |
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 | 428 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 449 | $188K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 428 | $36K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 211 | $94K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 211 | $40K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 69 | $20K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 190 | $881K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 211 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.