| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $202K | — | $202K | 2.31% |
| AON CONSULTING INC3 Filed as: AON HEWITT | P.O. BOX 905494 CHARLOTTE, NC 28290 | DELTA DENTAL OF CALIFORNIA | $32K | — | $32K | 4.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PACE CHICAGO, IL 60673 | DELTA DENTAL OF CALIFORNIA | $7K | — | $7K | 0.86% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 2.89% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SAN FRANCISCO | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 1.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $4K | — | $4K | 2.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SAN FRANCISCO | P.O. BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $792 | $10K | 15.24% |
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 | 555 | 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) | 555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 910 | $8.7M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,300 | $766K |
| Vision | VISION SERVICE PLAN | 549 | $185K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 548 | $558K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 548 | $491K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 548 | $491K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 910 | $8.7M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 548 | $558K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,300 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.