| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | UNITED HEALTHCARE INSURANCE COMPANY | — | $35K | $35K | 2.27% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 1005 CONVENTION PLAZA ST. LOUIS, MO 63101 | DELTA DENTAL OF ARIZONA | $4K | — | $4K | 4.65% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 19640 IRVINE, CA 926239640 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $925 | $7K | 12.52% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 1005 CONVENTION PLAZA ST. LOUIS, MO 63101 | DELTA DENTAL OF ARIZONA | $950 | — | $950 | 9.13% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 194 | $1.5M |
| Dental | DELTA DENTAL OF ARIZONA | 216 | $97K |
| Vision | DELTA DENTAL OF ARIZONA | 153 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 133 | $60K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 133 | $60K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 133 | $60K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 194 | $1.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 133 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.