| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955909 ST. LOUIS, MO 631955909 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $22K | $249K | $271K | 5.06% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | PO BOX 955909 ST. LOUIS, MO 631955909 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $1K | $1K | 0.02% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 322240229 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $4K | $21K | 12.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 322240229 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $12K | 12.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 322240229 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $6K | 12.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC OF FLORIDA | PO BOX 955816 SAINT LOUIS, MO 63195 | METLIFE LEGAL PLANS | $2K | — | $2K | 9.90% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DRIVE S SUITE 360 JACKSONVILLE, FL 322240229 | METLIFE LEGAL PLANS | — | $123 | $123 | 0.59% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | PO BOX 955816 ST. LOUIS, MO 63195 | METLIFE LEGAL PLANS | — | $66 | $66 | 0.32% |
| LOCKTON COMPANIES, LLC3 | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $13 | $13 | 0.06% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | C/O NORTHERN TRUST BANK 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | METLIFE LEGAL PLANS | — | $3 | $3 | 0.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. OF FLORIDA | 13901 SUTTON PARK DRIVE S BUILDING C - SUITE 360 JACKSONVILLE, FL 32224 | KAISER FOUNDATION HEALTH PLAN, INC. | $293 | — | $293 | 3.50% |
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 | 643 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 468 | $5.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 468 | $5.3M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 681 | $258K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 665 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 681 | $164K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 2 | $8K |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 681 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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.
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.
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.