| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 5600 W. 83RD. STREET 8200 TOWER STE. 1100 MINNEAPOLIS, MN 55437 | BLUE CROSS BLUE SHIELD OF MINNESOTA | $128K | — | $128K | 2.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 5600 W. 83RD. STREET BLOOMINGTON, MN 55437 | DELTA DENTAL OF MINNESOTA | $19K | — | $19K | 4.53% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - MINNEAPOLIS | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $3K | $23K | 6.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $17K | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $4K | $8K | 2.37% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $3K | $23K | 8.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $8K | 3.13% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $115 | $1K | 0.44% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 600731298 | VISION SERVICE PLAN | $1K | — | $1K | 1.66% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - MINNEAPOLIS | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | UNUM INSURANCE COMPANY | $3K | $616 | $3K | 6.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | UNUM INSURANCE COMPANY | $1K | $412 | $2K | 2.76% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $387 | -$1K | -$674 | -1.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | UNUM INSURANCE COMPANY | $1K | $601 | $2K | 4.11% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $2K | -$1K | $474 | 0.99% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - MINNEAPOLIS | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | UNUM INSURANCE COMPANY | $23 | $12 | $35 | 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 | 499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MINNESOTA | 932 | $6.3M |
| Dental | DELTA DENTAL OF MINNESOTA | 951 | $425K |
| Vision | VISION SERVICE PLAN | 371 | $73K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 482 | $605K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 482 | $338K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 482 | $338K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 482 | $730K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 951 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.