| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | $103K | $121K | 5.40% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH INC. | 501 CORPORATE CENTER DRIVE SUITE 300 FRANKLIN, TN 37067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 9.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $877 | $877 | 0.78% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH INC. | 501 CORPORATE CENTER DRIVE SUITE 300 FRANKLIN, TN 37067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 9.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $522 | $522 | 0.84% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH INC. | 501 CORPORATE CENTER DRIVE SUITE 300 FRANKLIN, TN 37067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $255 | $255 | 0.84% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH INC. | 501 CORPORATE CENTER DRIVE SUITE 300 FRANKLIN, TN 37067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $933 | — | $933 | 9.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $47 | $47 | 0.45% |
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 | 246 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 314 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 314 | $2.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 314 | $2.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 246 | $112K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 246 | $62K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $30K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 246 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.