| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST | 4555 LAKE FOREST DRIVE, SUITE 510 BLUE ASH, OH 45242 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $48K | $48K | 1.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | PO BOX 7505 FORT WASHINGTON, PA 19034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 8.83% |
| BRIAN GLEASON3 Filed as: BRIAN K. CLAY | 416 WEST 13TH STREET, ROOM 303 NEW YORK, NY 10014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.38% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | 75 REMITTANCE DRIVE, SUITE 1446 LOCKBOX 1446 CHICAGO, IL 60675 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 1.64% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL, LLC | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 1.56% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | C/O NORTHERN TRUST - DB CHICAGO, IL 60675 | DELTA DENTAL OF OHIO | $2K | — | $2K | 1.52% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | PO BOX 7505 FORT WASHINGTON, PA 19034 | UNUM INSURANCE COMPANY | $4K | $699 | $5K | 14.28% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 413 | $3.2M |
| Dental | DELTA DENTAL OF OHIO | 385 | $129K |
| Vision | DELTA DENTAL OF OHIO | 385 | $129K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $167K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $167K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $167K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 413 | $3.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.