| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC. | 350 NORTH ORLEANS ST. SUITE #1446 8TH FLOOR US CHICAGO, IL 60654 | MINNESOTA LIFE INSURANCE COMPANY | $295K | $0 | $295K | 10.13% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $64K | $64K | 2.21% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 6501 AMERICAS PARKWAY NE SUITE 650 ALBUQUERQUE, NM 87110 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $92K | $36K | $128K | 6.44% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $16K | $16K | 0.81% |
| AON CONSULTING INC3 Filed as: AON HEWITT | PO BOX 905494 CHARLOTTE, NC 28290 | EYEMED VISION CARE | $18K | $0 | $18K | 3.24% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC. | 350 NORTH ORLEANS ST. SUITE #1446 8TH FLOOR CHICAGO, IL 60654 | MINNESOTA LIFE INSURANCE COMPANY | $40K | $0 | $40K | 8.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905495 CHARLOTTE, NC 282905494 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.03% |
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 | 10,996 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,027 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 13,917 | $548K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 13,264 | $3.4M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 9,760 | $2.0M |
| Other | THE SOLUTIONS GROUP | 10,996 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,917 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.