| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 6501 AMERICAS PKWY. NE SUITE 650 ALBUQUERQUE, NM 87110 | PRESBYTERIAN HEALTH PLAN INC. | $44K | — | $44K | 3.58% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - ALBUQUERQUE | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $923 | $6K | 5.15% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST, INC. | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | DELTA DENTAL INSURANCE CO. | $11K | — | $11K | 10.05% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - ALBUQUERQUE | 75 REMITTANCE DRIVE CHICAG, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $235 | $3K | 16.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - ALBUQUERQUE | 75 REMITTANCE DRIVE CHICAGO, IL 60675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 2.61% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN HEALTH PLAN INC. | 367 | $1.2M |
| Dental | DELTA DENTAL INSURANCE CO. | 229 | $108K |
| Vision | VISION SERVICE PLAN | 118 | $21K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $127K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $108K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $108K |
| Prescription drug | PRESBYTERIAN HEALTH PLAN INC. | 367 | $1.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.