| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 75 REMITTANCE DR., DEPT. 1446 LOCK BOX 1446 CHICAGO, IL 60675 | UNITED HEALTHCARE INSURANCE COMPANY | — | $49K | $49K | 3.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. OF ARIZONA | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 28290 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.08% |
| AXA ASSISTANCE, USA5 | 122 S. MICHIGAN AVE., SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $167 | $167 | 0.12% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | EMPLOYERS DENTAL SERVICES | $2K | — | $2K | 5.97% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | UNITED DENTAL CARE OF ARIZONA, INC. | $643 | — | $643 | 6.96% |
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 | 507 | 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) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 404 | $1.5M |
| Dental(2 contracts, 2 carriers) | EMPLOYERS DENTAL SERVICES | 128 | $38K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 507 | $140K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 507 | $140K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 507 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.