| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | UNITED HEALTHCARE INSURANCE COMPANY | — | $55K | $55K | 4.78% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | DELTA DENTAL OF ARIZONA | $18K | — | $18K | 8.01% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 5260 N. PALM AVE., SUITE 400 FRESNO, CA 93704 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 12.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | STANDARD INSURANCE COMPANY | $803 | — | $803 | 1.18% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 5260 N. PALM AVE., SUITE 400 FRESNO, CA 93704 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 12.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | STANDARD INSURANCE COMPANY | $433 | — | $433 | 1.19% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 5260 N. PALM AVE., SUITE 400 FRESNO, CA 93704 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 12.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | STANDARD INSURANCE COMPANY | $383 | — | $383 | 1.46% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $210 | — | $210 | 8.76% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 319 | $1.2M |
| Dental | DELTA DENTAL OF ARIZONA | 173 | $221K |
| Vision | EYEMED VISION CARE | 363 | $2K |
| Life insurance | STANDARD INSURANCE COMPANY | 202 | $26K |
| Short-term disability | STANDARD INSURANCE COMPANY | 202 | $68K |
| Long-term disability | STANDARD INSURANCE COMPANY | 202 | $37K |
| Other | STANDARD INSURANCE COMPANY | 202 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.