| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $119K | $133K | 4.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $2K | $12K | 11.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $2K | $12K | 12.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 11.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 19.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | 29840 NETWORK PLACE ST. LOUIS, MO 606731299 | HARTFORD LIFE AND ACCIDENT | — | $500 | $500 | 1.38% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 ST. LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $72 | $72 | 0.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY ROAD #300 WARRINGTON, PA 18976 | HARTFORD LIFE AND ACCIDENT | $12 | — | $12 | 0.03% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DRIVE DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $4 | $4 | 0.01% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR, PA | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $2K | — | $2K | 10.63% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR, PA | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $2K | — | $2K | 14.58% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 304 | $3.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 304 | $3.2M |
| Vision(2 contracts) | EYEMED VISION CARE | 358 | $24K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 343 | $100K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 343 | $102K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 343 | $92K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 913 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 913 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.