| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE, SUITE 1401 CORAL GABLES, FL 33134 | BLUECROSS BLUESHIELD OF TEXAS | $43K | $0 | $43K | 2.74% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUECROSS BLUESHIELD OF TEXAS | $27K | $0 | $27K | 1.73% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE, SUITE 1401 CORAL GABLES, FL 28026 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 6.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 1111 METROPOLITAN AVENUE, SUITE 400 CHARLOTTE, NC 24795 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 3.80% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 1.58% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 17875 VON KARMAN, SUITE 300 IRVINE, CA 92614 | DEARBORN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.40% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.43% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | 1 LIBERTY PLAZA, 165 BROADWAY NEW YORK, NY 10006 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $177 | $0 | $177 | 15.04% |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 193 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $82K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $82K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 480 | $75K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 480 | $75K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 193 | $1.6M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 480 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.