| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 1447 LINCOLNSHIRE, IL 60069 | UNITEDHEALTHCARE INSURANCE COMPANY | $42K | $136K | $178K | 1.70% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET LITTLE ROCK, AR 72201 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $25K | $37K | 0.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $108K | $13K | $121K | 13.95% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET, SUITE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 1.30% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 0.98% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN ROAD, SUITE 357 GLENVIEW, IL 60025 | RELIASTAR LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.36% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAM, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.83% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET, SUITE 1410 LITTLE ROCK, AR 72201 | RELIASTAR LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 803507 DALLAS, TX 75380 | DEARBORN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.70% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET LITTLE ROCK, AR 72201 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.30% |
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 | 732 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,518 | $10.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,518 | $10.5M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 559 | $106K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 732 | $870K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 732 | $870K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 732 | $870K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,518 | $10.5M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 732 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,518 | — |
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.