| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | PO BOX 191229 SAN JUAN, PR 00919 | MCS LIFE INSURANCE COMPANY | $11K | — | $11K | 5.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 14.08% |
| DIRECTPATH, LLC3 Filed as: DIRECT PATH | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | TRUSTMARK INSURANCE COMPANY | $17K | — | $17K | 21.63% |
| DIRECTPATH, LLC3 Filed as: DIRECT PATH | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | TRUSTMARK INSURANCE COMPANY | $16K | — | $16K | 22.46% |
| DIRECTPATH, LLC3 Filed as: DIRECT PATH | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | TRUSTMARK INSURANCE COMPANY | $15K | — | $15K | 32.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $5K | 13.75% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PUERTO RICO | PO BOX 191229 SAN JUAN, PR 009191229 | DELTA DENTAL OF PUERTO RICO, INC. | $1K | — | $1K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $201 | $75 | $276 | 2.83% |
| DIRECTPATH, LLC3 | 120 18TH STREET S SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 2.47% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - TAMPA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.35% |
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 | 5,751 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCS LIFE INSURANCE COMPANY | 148 | $192K |
| Dental | DELTA DENTAL OF PUERTO RICO, INC. | 142 | $13K |
| Vision(2 contracts) | EYEMED VISION CARE | 4,307 | $58K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,877 | $138K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,530 | $54K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,396 | $43K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,877 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,877 | — |
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.