| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 1776 REMITTANCE DRIVE CHICAGO, IL 60675 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $27K | $27K | 4.75% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | P.O. BOX 905494 CHARLOTTE, NC 282905494 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.37% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DRISCOLL & COMPANY INC. | 5080 N. 40TH STREET, SUITE 400 PHOENIX, AZ 85018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $69 | — | $69 | 0.11% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 75 REMITTANCE DR., SUITE 1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 75 REMITTANCE DR., SUITE 1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $949 | — | $949 | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 75 REMITTANCE DR., SUITE 1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $208 | — | $208 | 10.00% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 124 | $569K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $64K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $64K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $11K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 47 | $9K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 124 | $569K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 135 | $571K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.