| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $527 | $527 | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 803507 DALLAS, TX 75380 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 70.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $372 | $372 | 1.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $187 | $187 | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 803507 DALLAS, TX 75380 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 55.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $180 | $180 | 1.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $126 | $126 | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 803507 DALLAS, TX 75380 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 65.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $142 | $142 | 1.41% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $24K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 386 | $53K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $13K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 386 | $19K |
| Other(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 386 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.