| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE | 2555 E CAMELBACK RD STE 700 PHOENIX, AZ 85016 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $25K | $29K | 5.25% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST IN | 75 REMITTANCE DR DEPT 1446 LOCKBOX 1446 CHICAGO, IL 60675 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 4.62% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST IN | 75 REMITTANCE DR DEPT 1446 LOCKBOX 1446 CHICAGO, IL 60675 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 35.75% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE | C/O NORTHERN TRUST BANK LOCKBOX 1446, DEPT 1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $806 | — | $806 | 14.99% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE | C/O NORTHERN TRUST BANK LOCKBOX 1446, DEPT 1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $66 | — | $66 | 15.00% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $562K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 116 | $71K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $23K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $18K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.