| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE CO. | $52K | — | $52K | 4.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $4K | $18K | 6.24% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $14K | $14K | 5.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON-CHAPMAN, INC | PO BOX 9201 AUSTIN, TX 787669201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $14K | $14K | 5.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731296 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $113 | $12K | 9.45% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 7.28% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 3.74% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $113 | $3K | 2.11% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $911 | $911 | 0.74% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $272 | $272 | 0.22% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM INSURANCE COMPANY | $3K | $223 | $3K | 10.89% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC | PO BOX 9201 AUSTING, TX 78766 | UNUM INSURANCE COMPANY | $3K | — | $3K | 10.61% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM INSURANCE COMPANY | $2K | $321 | $2K | 11.54% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $1K | $1K | 5.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM INSURANCE COMPANY | $2K | $229 | $2K | 295.74% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC | PO BOX 9201 AUSTIN, TX 78766 | UNUM INSURANCE COMPANY | $1K | — | $1K | 224.06% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $786 | $786 | 128.64% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | BLDG C SUITE 360 13901 SUTTON PARK DR S JACKSONVILLE, FL 32224 | UNUM INSURANCE COMPANY | -$894 | -$112 | -$1K | -164.65% |
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 | 550 | 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) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 220 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $124K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $124K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,149 | $283K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,149 | $283K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,149 | $283K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,149 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,149 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.