| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | DIRECT BILL #955909 SL-MO-CIWS ST. LOUIS, MO 63101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 0.52% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | DIRECT BILL #955909 SL-MO-CIWS SAINT LOUIS, MO 63101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.50% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | DIRECT BILL #955909 SL-MO-CIWS ST. LOUIS, MO 63101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | DIRECT BILL #955909 SL-MO-CIWS ST. LOUIS, MO 63101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.38% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 9.18% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 7.95% |
| DISABILITY INSURANCE SVCS INC3 Filed as: DISABILITY INSURANCE SVCS. INC. | 4444 ZION AVE. SAN DIEGO, CA 92120 | STANDARD INSURANCE COMPANY | $4K | $908 | $5K | 28.13% |
| CHRISTINE NESS3 | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.69% |
| JOANNE MARIE MIZELL3 | 16220 N. SCOTTSDALE RD., SUITE 600 SCOTTSDALE, AZ 95254 | STANDARD INSURANCE COMPANY | $50 | — | $50 | 0.29% |
| JAMES CHARLES STABILITO3 | 11201 N. TATUM BLVD., SUITE 300 PHOENIX, AZ 85028 | STANDARD INSURANCE COMPANY | $16 | — | $16 | 0.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $21 | $21 | 1.48% |
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 | 12,206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 247 | $4.6M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF ARIZONA | 7,825 | $2.9M |
| Vision(4 contracts, 3 carriers) | UNIVERSITY HEALTH ALLIANCE | 4,176 | $1.4M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,235 | $1.1M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,572 | $290K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,166 | $280K |
| Prescription drug(6 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 247 | $4.6M |
| Other(8 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,235 | $864K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,235 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.