| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 6501 AMERICAS PARKWAY SUITE 650 ALBUQUERQUE, NM 87110 | PRESBYTERIAN HEALTH PLAN INC. | $66K | — | $66K | 4.55% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES W, INC | C/O NORTHER CHICAGO, IL 60675 | DELTA DENTAL OF MEXICO | $9K | — | $9K | 9.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | 75 REMITTANCE DRIVE STE 1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | $1K | $34 | $1K | 10.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | PO BOX 905494 CHARLOTTE, NC 28290 | HARTFORD LIFE AND ACCIDENT | — | $695 | $695 | 5.53% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES W, INC | 75 REMITTANCE DRIVE DEPT 1446 CHICAGO, IL 60675 | VISION SERVICE PLAN | $687 | — | $687 | 7.85% |
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 | 110 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN HEALTH PLAN INC. | 299 | $1.4M |
| Dental | DELTA DENTAL OF MEXICO | 252 | $92K |
| Vision | VISION SERVICE PLAN | 88 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 316 | $13K |
| Other | HARTFORD LIFE AND ACCIDENT | 316 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.