| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $260K | $276K | 4.09% |
| AON CONSULTING INC3 | DBA AON CONSULTING OF NEW JERSEY 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | $3K | $10K | 3.82% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $171 | $171 | 0.07% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $2K | $13K | 6.88% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $6K | 4.16% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 16.72% |
| MY BENEFITS HELP INC3 | 5114 POINT FOSDICK DRIVE SUITE F41 GIG HARBOR, WA 98335 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $184 | — | $184 | 1.30% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | — | $81 | 0.57% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 20.91% |
| MY BENEFITS HELP INC3 Filed as: MY BENEFITS HELP | 5114 POINT FOSDICK DRIVE SUITE F41 GIG HARBOR, WA 98335 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | — | $65 | 0.52% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.34% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 18.44% |
| MY BENEFITS HELP INC3 | 5114 POINT FOSDICK DRIVE SUITE F41 GIG HARBOR, WA 98335 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123 | — | $123 | 1.21% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.36% |
| JASEN BOICE3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| BRETT HUECHTEMAN3 | 901 E ST LOUISE STREET SUITE 1500 SPRINGFIELD, MO 65806 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 22.89% |
| MY BENEFITS HELP INC3 | 5114 POINT FOSDICK DRIVE SUITE F41 GIG HARBOR, WA 98335 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.75% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.20% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 16.87% |
| MY BENEFITS HELP INC3 | 5114 POINT FOSDICK DRIVE SUITE F41 GIG HARBOR, WA 98335 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 0.64% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.18% |
| JASEN BOICE3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| MODERN BENEFITS INC3 Filed as: MODERN CONSULTING INC | 19705 W 65TH TERRACE SHAWNEE, KS 66218 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 24.09% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.29% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $763 | — | $763 | 16.30% |
| MY BENEFITS HELP INC3 | 5114 POINT FOSDICK DRIVE SUITE F41 GIG HARBOR, WA 98335 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 1.50% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.30% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $240 | — | $240 | 16.81% |
| JASEN BOICE3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.70% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.49% |
| BRETT HUECHTEMAN3 | 901 E ST LOUISE STREET SUITE 1500 SPRINGFIELD, MO 65806 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.07% |
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 | 465 | 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) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,052 | $6.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,052 | $6.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,052 | $6.7M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 956 | $251K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 614 | $182K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 775 | $151K |
| Other(9 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 956 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,052 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.