| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 6501 AMERICAS PKWY. SUITE 650 ALBUQUERQUE, NM 87110 | PRESBYTERIAN HEALTH PLAN, INC. | $20K | — | $20K | 4.53% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $11K | $348 | $11K | 19.52% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC. | 75 REMITTANCE DRIVE DEPT 1446 CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $48 | $3K | 4.83% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC. | 2555 E. CAMELBACK RD. PHOENIX, AZ 850169256 | METROPOLITAN LIFE INSURANCE COMPANY | — | $42 | $42 | 0.07% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC. | 6501 AMERICAS PKWY. NE SUITE 650 ALBUQUERQUE, NM 87110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 12.63% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC. | 6501 AMERICAS PKWY. NE SUITE 650 ALBUQUERQUE, NM 87110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 13.27% |
| AON CONSULTING INC3 Filed as: AON RISK INS. SERVICES WEST INC. | 6501 AMERICAS PKWY NE SUITE 650 ALBUQUERQUE, NM 87110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $464 | — | $464 | 10.95% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $431 | — | $431 | 11.17% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN HEALTH PLAN, INC. | 97 | $444K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $56K |
| Life insurance(4 contracts, 2 carriers) | AFLAC | 121 | $85K |
| Short-term disability(2 contracts) | AFLAC | 77 | $62K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 121 | $28K |
| Prescription drug | PRESBYTERIAN HEALTH PLAN, INC. | 97 | $444K |
| Other(3 contracts, 2 carriers) | AFLAC | 121 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.