| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 29840 NETWORK PL CHICAGO, IL 606731299 | RELIASTAR LIFE INSURANCE COMPANY | $111K | — | $111K | 11.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $20K | — | $20K | 2.02% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL | 8501 N. SCOTTSDALE RD. #160 SCOTTSDALE, AR 85253 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $36K | — | $36K | 4.73% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL | 8501 N. SCOTTSDALE RD. #160 SCOTTSDALE, AR 85253 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $11K | — | $11K | 5.00% |
| 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 SERVICES CENTRAL INC. - IL | PO BOX 956012 ST. LOUIS, MO 63195 | METLIFE LEGAL PLANS | $7K | — | $7K | 10.07% |
| 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 | — | $897 | $897 | 1.36% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 8.35% |
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 | 1,533 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 7 | $45K |
| Dental | AETNA LIFE INSURANCE CO. | 7 | $45K |
| Vision | AETNA LIFE INSURANCE CO. | 7 | $45K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,598 | $766K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,598 | $228K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 7 | $45K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,705 | $996K |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,705 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,705 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.