| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | DELTA DENTAL INSURANCE COMPANY | $22K | — | $22K | 8.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 HAMILTON AVE., STE. 930 WHITE PLAINS, NY 10601 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 1.67% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HARTFORD LIFE AND ACCIDENT | $37K | — | $37K | 14.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 206 EXCHANGE PLACE HUNTSVILLE, AL 35806 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $115 | $115 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 W 10TH ST. WEST POINT, GA 318331212 | VISION SERVICE PLAN | $3K | — | $3K | 6.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $3K | — | $3K | 6.60% |
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 | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 862 | $3.5M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 746 | $267K |
| Vision | VISION SERVICE PLAN | 327 | $45K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 641 | $250K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 641 | $250K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 641 | $250K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 862 | $3.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 641 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 862 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.