| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | $8K | $13K | $21K | 3.79% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HARTFORD LIFE AND ACCIDENT | $15K | $5K | $20K | 8.69% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $451 | $451 | 0.19% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | $2K | $3K | $4K | 3.79% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 3.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | FOUR EVER LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| ANTHEM INSURANCE COMPANIES, INC.3 | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | FOUR EVER LIFE INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | $12K | $2K | $14K | 17.08% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | $4K | $588 | $5K | 17.08% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | ARAG INSURANCE COMPANY | $331 | — | $331 | 1.68% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $282 | — | $282 | 2.27% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $534 | $25 | $559 | 15.69% |
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 | 1,882 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,896 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INSURANCE COMPANY | 1,882 | $98K |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 1,994 | $848K |
| Vision(3 contracts, 3 carriers) | HERITAGE VISION PLANS INC | 444 | $52K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 2,039 | $673K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 545 | $232K |
| Other(6 contracts, 4 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 2,325 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,325 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.