| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | $295K | — | $295K | 5.95% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | — | $112K | $112K | 2.27% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 200 E. RANDOLPH STREET #L13 CHICAGO, IL 60601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $105K | $21K | $126K | 3.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $47K | $47K | 1.43% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $650K | — | $650K | 20.01% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ALBUQUERQUE NM | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $27K | — | $27K | 3.00% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | $40K | — | $40K | 6.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $14K | $14K | 2.25% |
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 | 14,111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 470 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW MEXICO | 20,509 | $7.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 9,193 | $908K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 17,054 | $5.6M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,667 | $3.3M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 14,111 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,509 | — |
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.