| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $64K | $72K | 2.59% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $189 | $4K | 12.75% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $252 | $3K | 10.61% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CHARLOTTE | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $1K | — | $1K | 6.29% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CHARLOTTE, NC | 40 WEST BROAD STREET SUITE 210 GREENVILLE, SC 29601 | EYEMED VISION CARE | $958 | — | $958 | 4.67% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $218 | $2K | 10.28% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $38 | $4K | 36.41% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NC 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $36 | $3K | 31.61% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $31 | $3K | 33.15% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $371 | — | $371 | 10.01% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 309 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 309 | $2.8M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 356 | $2.8M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 225 | $18K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 225 | $26K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 225 | $28K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 271 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.