| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | OXFORD HEALTH INSURANCE, INC. | $144K | — | $144K | 2.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF NEW YORK | $10K | — | $10K | 2.00% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HEARTLAND FIDELITY INSURANCE COMPANY | $16K | — | $16K | 7.91% |
| DIETRICH & ASSOCIATES3 | 1000 GERMANTOWN PIKE SUITE K-1 PLYMOUTH MEETING, PA 19462 | HEARTLAND FIDELITY INSURANCE COMPANY | $6K | — | $6K | 3.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE INSURANCE CO. | — | $2K | $2K | 1.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE INSURANCE CO. | — | $1K | $1K | 0.72% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE INSURANCE CO. | — | $815 | $815 | 0.50% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $16K | — | $16K | 13.23% |
| DIETRICH & ASSOCIATES3 | 1000 GERMANTOWN PIKE, SUITE K-1 PLYMOUTH MEETING, PA 19462 | TRANSAMERICA INSURANCE CO. | $7K | — | $7K | 6.10% |
| WEB TPA3 | 8500 FREEPORT PKWY. S. IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $3K | — | $3K | 2.63% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $1K | — | $1K | 4.51% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 606731298 | DELTA DENTAL OF NEW YORK | $295 | — | $295 | 2.00% |
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 | 454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 236 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 690 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 804 | $7.2M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 780 | $514K |
| Vision | VISION SERVICE PLAN | 225 | $32K |
| Life insurance | HARTFORD LIFE INSURANCE CO. | 453 | $164K |
| Long-term disability | HARTFORD LIFE INSURANCE CO. | 453 | $164K |
| Prescription drug(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 804 | $7.3M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE CO. | 453 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 804 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.