| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 19640 IRVINE, CA 92623 | UNITEDHEALTHCARE INSURANCE COMPANY | $70K | — | $70K | 5.20% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ARIZONA LLC | 14614 N KIERLAND SCOTTSDALE, AZ 85254 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2 | — | -$2 | -0.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 200 E RANDOLPH ST. #L13 CHICAGO, IL 60601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $726 | $726 | 1.12% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 200 E RANDOLPH ST. #L13 CHICAGO, IL 60601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $331 | $331 | 1.12% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 200 E RANDOLPH ST. #L13 CHICAGO, IL 60601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 14.22% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $627 | $627 | 2.49% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC. | 200 E RANDOLPH ST. #L13 CHICAGO, IL 60601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $276 | $276 | 1.13% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 200 E RANDOLPH ST. #L13 CHICAGO, IL 60601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 16.18% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $420 | $420 | 2.78% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 200 E RANDOLPH ST. #L13 CHICAGO, IL 60601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 17.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $295 | $295 | 3.01% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 200 E RANDOLPH ST. #L13 CHICAGO, IL 60601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $282 | — | $282 | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $32 | $32 | 1.13% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 334 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 334 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 334 | $1.3M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $27K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 62 | $65K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $30K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 334 | $1.3M |
| Other(6 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 334 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.