| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 19640 IRVINE, CA 92623 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $42K | $42K | 2.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 2555 EAST CAMELBACK ROAD, SUITE 700 PHOENIX, MO 63101 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $7K | $7K | 0.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1005 CONVENTION PLAZA SAINT LOUIS, MO 63101 | DELTA DENTAL OF ARIZONA | $5K | $0 | $5K | 4.93% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 19640 IRVINE, CA 92623 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 13.71% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1005 CONVENTION PLAZA SAINT LOUIS, MO 63101 | DELTA DENTAL OF ARIZONA | $1K | $0 | $1K | 9.97% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $1.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ARIZONA | 221 | $125K |
| Vision | DELTA DENTAL OF ARIZONA | 164 | $11K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 128 | $83K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 128 | $83K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 128 | $60K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $1.5M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.