| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 0.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. OF ARIZONA | PO BOX 905494 CHARLOTTE, MO 282905494 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 0.91% |
| FREESTONE FINANCIAL LLC3 | 8501 N. SCOTTSDALE RD. SUITE 160 SCOTTSDALE, AZ 85253 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.47% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $593 | $593 | 0.06% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 75 REMITTANCE DR., DEPT. 1446 CHICAGO, IL 606751446 | RELIASTAR LIFE INSURANCE COMPANY | $99K | — | $99K | 11.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $17K | — | $17K | 1.93% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $24K | — | $24K | 20.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | C/O NORTHERN TRUST BANK 75 REMITTANCE DR. SUITE 1446 CHICAGO, IL 606751446 | METLIFE LEGAL PLANS | $4K | $747 | $5K | 7.91% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. - IL | PO BOX 956012 ST. LOUIS, MO 63195 | METLIFE LEGAL PLANS | $2K | — | $2K | 3.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | — | $42 | $42 | 0.07% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 7.93% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 6.71% |
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 | 1,581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 5 | $29K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 5 | $44K |
| Vision | AETNA LIFE INSURANCE CO. | 5 | $29K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,154 | $972K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,154 | $972K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 5 | $29K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,674 | $889K |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,154 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,154 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.