| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 200 E RANDOLPH STREET CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $58K | — | $58K | 9.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 E. RANDOLPH STREET CHICAGO, IL 60601 | AMERITAS LIFE INSURANCE CORP. | $28K | — | $28K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | CRUM & FORSTER | $5K | — | $5K | 10.00% |
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 | 923 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 952 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 639 | $638K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 823 | $280K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 823 | $280K |
| Life insurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 639 | $638K |
| Long-term disability | FIDELITY SECURITY LIFE INSURANCE COMPANY | 639 | $638K |
| Other(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 639 | $686K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 823 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.