| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE HARTFORD LIFE AND ACCIDENT | $60K | $9K | $69K | 11.53% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 955816 #1446 SAINT LOUIS, MO 63195 | THE HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.24% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 6501 AMERICAS PARKWAY NE SUITE 650 ALBUQUERQUE, NM 871104141 | DELTA DENTAL OF NEW MEXICO | $10K | — | $10K | 3.19% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - ALBUQUERQUE | PO BOX 955909 SAINT LOUIS, MO 631951446 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.56% |
| DAVIDSON JAMES DUNCAN3 | 1820 E FIRST STREET SUITE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $479 | — | $479 | 2.30% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $251 | — | $251 | 1.20% |
| GORDON M ROBERT3 | 4514 CHUCKWALLA CANYON PHOENIX, AZ 85044 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | — | $91 | 0.44% |
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 | 588 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW MEXICO | 773 | $299K |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD LIFE AND ACCIDENT | 736 | $620K |
| Short-term disability | THE HARTFORD LIFE AND ACCIDENT | 736 | $599K |
| Long-term disability | THE HARTFORD LIFE AND ACCIDENT | 736 | $599K |
| Other(3 contracts, 3 carriers) | THE HARTFORD LIFE AND ACCIDENT | 736 | $643K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 773 | — |
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.