| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 322240229 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 1.70% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE AND ACCIDENT | VARIOUS AGENTS POST OFFICE BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $190 | $2K | 51.72% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC OF FLORIDA | PO BOX 955816 SAINT LOUIS, MO 63195 | METLIFE LEGAL PLANS | $527 | — | $527 | 41.14% |
| LOCKTON COMPANIES, LLC3 | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $87 | $87 | 6.79% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DRIVE S SUITE 360 JACKSONVILLE, FL 322240229 | METLIFE LEGAL PLANS | — | $62 | $62 | 4.84% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE #700 DENVER, CO 802372966 | THE PAUL REVERE LIFE INSURANCE COMPANY | $31 | — | $31 | 9.04% |
| SUSAN GOLD STOKES3 | 104 MISTY HOLLOW WAY HUNTSVILLE, AL 35806 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | — | $14 | 4.08% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.87% |
| MCCAREY INC3 | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.29% |
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 | 687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 810 | $70K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 810 | $70K |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 810 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 810 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.