| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | $89K | — | $89K | 6.00% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 19.76% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $6K | 20.03% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.79% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MIAMI, FL | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $1K | — | $1K | 10.06% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFIT ADMINISTRATORS | DBA BENAWARE PO BOX 1060 GETTYSBURG, PA 17325 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 21.30% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 080371363 | TRANSAMERICA LIFE INSURANCE COMPANY | $930 | — | $930 | 15.42% |
| JEREMY C TUCKFELT3 | PO BOX 9277 PITTSBURGH, PA 15224 | TRANSAMERICA LIFE INSURANCE COMPANY | $110 | — | $110 | 1.82% |
| VESTAMERICA INC3 | 8629 NW 2ND LANE MIAMI, FL 33126 | TRANSAMERICA LIFE INSURANCE COMPANY | $83 | — | $83 | 1.38% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | TRANSAMERICA LIFE INSURANCE COMPANY | $55 | — | $55 | 0.91% |
| AON CONSULTING INC4 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $260 | — | $260 | 6.97% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $136 | $47 | $183 | 20.22% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 99 | $1.5M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 235 | $128K |
| Vision | EYEMED VISION CARE | 242 | $13K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $28K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $35K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $27K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 99 | $1.5M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.