| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST LOUIS, MO 63195 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $22K | $0 | $22K | 4.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FL | 29840 NEWTORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.77% |
| BRITTANY LLOYD3 | 6234 KINGS PEAK DRIVE EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $8K | $12K | 46.68% |
| AON CONSULTING INC3 | 29840 NEWTORK PLACE CHICAGO, IL 60673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 20.48% |
| MELISSA MARIE MARTINO3 Filed as: MELISSA M. MARTINO AND OTHER AGENTS | 15904 KENNARD STREET HACIENDA HEIGHTS, CA 91745 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $953 | $3K | 10.38% |
| STEPHANIE NOELLE KUGLER3 | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 9.70% |
| J&H FINANCIAL AND INS. SVCS LLC3 | 22948 VIA CEREZA, UNIT 4E MISSION VIEJO, CA 92691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $648 | $644 | $1K | 4.97% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $589 | $503 | $1K | 4.20% |
| SAMAR BREIK ALBIN3 | 41572 VALOR DRIVE MURRIETA, CA 92562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $606 | $418 | $1K | 3.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NEWTORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $584 | $0 | $584 | 4.61% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FL | 13901 SUTTON PARK DRIVE SOUTH BUILDING C JACKSONVILLE, FL 32224 | ARAG LEGAL | $1K | $0 | $1K | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 ST LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $10 | $10 | — |
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 | 1,372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 285 | $495K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 486 | $41K |
| Vision | VISION SERVICE PLAN | 368 | $13K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,208 | $0 |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 285 | $495K |
| Other(4 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,208 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,208 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.