| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 8800 CAL CENTER DRIVE, SUITE 450 SACRAMENTO, CA 95826 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $26K | $26K | 2.02% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 | 7901 NORTH 16TH STREET, SUITE 200 PHOENIX, AZ 85020 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $14K | $14K | 1.06% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 2555 EAST CAMELBACK ROAD PHOENIX, AZ 85016 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $6K | 4.42% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 | 7901 NORTH 16TH STREET, SUITE 200 PHOENIX, AZ 85020 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.73% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $12K | $957 | $13K | 10.83% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 | 7901 NORTH 16TH STREET, SUITE 200 PHOENIX, AZ 85020 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 4.92% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $80 | $80 | 0.07% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $936 | $0 | $936 | 6.84% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 | 7901 NORTH 16TH STREET, SUITE 200 PHOENIX, AZ 85020 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $451 | $0 | $451 | 3.30% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $108 | $1K | 45.40% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 308 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 433 | $125K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 273 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 177 | $116K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 177 | $116K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 177 | $116K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 308 | $1.3M |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 308 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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."
No prospect flags tripped on this filing.