| 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 | — | $101K | $101K | 5.63% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | DELTA DENTAL OF ARIZONA | $15K | — | $15K | 8.02% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 2277 FAIR OAKS BLVD., SUITE 250 SACRAMENTO, CA 95825 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 13.91% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 5 TRIAD CENTER, SUITE 525 SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $270 | — | $270 | 0.21% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 2277 FAIR OAKS BLVD., SUITE 250 SACRAMENTO, CA 95825 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 13.91% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 5 TRIAD CENTER, SUITE 525 SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $144 | — | $144 | 0.21% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 2277 FAIR OAKS BLVD., SUITE 250 SACRAMENTO, CA 95825 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 14.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 5 TRIAD CENTER, SUITE 525 SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $85 | — | $85 | 0.20% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $2K | — | $2K | 9.88% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 430 | $1.8M |
| Dental | DELTA DENTAL OF ARIZONA | 243 | $182K |
| Vision | EYEMED VISION CARE | 394 | $20K |
| Life insurance | STANDARD INSURANCE COMPANY | 322 | $42K |
| Short-term disability | STANDARD INSURANCE COMPANY | 322 | $128K |
| Long-term disability | STANDARD INSURANCE COMPANY | 322 | $68K |
| Other | STANDARD INSURANCE COMPANY | 322 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.