| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUE CROSS OF CALIFORNIA | $263K | — | $263K | 2.22% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUE CROSS OF CALIFORNIA | — | $2K | $2K | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | — | $34K | 3.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- NEW YORK | ONE LIBERTY PLAZA SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $4K | $21K | 6.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING -NEW YORK | ONE LIBERTY PLAZA SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 6.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING -NEW YORK | ONE LIBERTY PLAZA SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 6.25% |
| AON CONSULTING INC3 Filed as: AON HEWITT- NEW YORK, NY | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $7K | — | $7K | 9.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | ONE LIBERTY PLAZA SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $530 | $4K | 5.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING -NEW YORK | ONE LIBERTY PLAZA SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $4K | 8.15% |
| AON CONSULTING INC3 Filed as: AON HEWITT- NEW YORK, NY | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $1K | — | $1K | 5.67% |
| AON CONSULTING INC3 Filed as: AON HEWITT- NEW YORK, NY | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. NY | $715 | — | $715 | 13.91% |
| AON CONSULTING INC3 Filed as: AON HEWITT- NEW YORK, NY | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $231 | — | $231 | 6.54% |
| AON CONSULTING INC3 Filed as: AON HEWITT- NEW YORK, NY | 29848 NETWORK PL. CHICAGO, IL 60673 | EYEMED VISION CARE | $172 | — | $172 | 9.31% |
| AON CONSULTING INC3 Filed as: AON HEWITT- NEW YORK, NY | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $125 | — | $125 | 14.11% |
| AON CONSULTING INC3 Filed as: AON HEWITT- NEW YORK, NY | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $12 | — | $12 | 6.94% |
| AON CONSULTING INC3 Filed as: AON HEWITT- NEW YORK, NY | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. NY | $18 | — | $18 | 100.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT - NEW YORK | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $12 | — | $12 | — |
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 | 1,615 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,615 | $12.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 83 | $883K |
| Vision(9 contracts, 2 carriers) | EYEMED VISION CARE | 1,229 | $110K |
| Life insurance(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 453 | $768K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 453 | $495K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 453 | $495K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 453 | $768K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,615 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.