| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $20K | — | $20K | 4.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | NORTHERN TRUST BANK 75 REMITTANCE DR. SUITE 1446 CHICAGO, IL 60675 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $581 | $16K | 20.75% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 29840 NETWORK PLACE CHICAGO, ID 60673 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.91% |
| MJ INSURANCE3 Filed as: H E INSUANCE INC. | 225 W. WASHINGTON SUITE 155 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | NORTHERN TRUST BANK 75 REMITTANCE DR. STE 1446 CHICAGO, IL 606751447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $218 | $6K | 20.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | NORTHERN TRUST BANK 75 REMITTANCE DR. STE 1446 CHICAGO, IL 606751447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $184 | $5K | 20.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN | $981 | — | $981 | 5.45% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 1447 LINCOLNSHIRE, IL 600691447 | VISION SERVICE PLAN | $147 | — | $147 | 0.82% |
| THE SCHELLER BRADFORD GROUP3 | 463 OHIO PIKE SUITE 303 CINCINNATI, OH 45255 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $507 | — | $507 | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $999 | $26 | $1K | 25.66% |
| THE SCHELLER BRADFORD GROUP3 | 463 OHIO PIKE SUITE 303 CINCINNATI, OH 45255 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $529 | — | $529 | 19.98% |
| THE SCHELLER BRADFORD GROUP3 | 463 OHIO PIKE SUITE 303 CINCINNATI, OH 45255 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $183 | — | $183 | 10.98% |
| THE SCHELLER BRADFORD GROUP3 | 463 OHIO PIKE SUITE 303 CINCINNATI, OH 45255 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $230 | — | $230 | 20.02% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 93 | $466K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 38 | $29K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $47K |
| Life insurance(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $84K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 70 | $30K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 118 | $24K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.