| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 955909 ST. LOUIS, MO 631950000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $56K | $67K | 5.46% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 955909 SAINT LOUIS, MO 631950000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $531 | $531 | 0.04% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $110 | $3K | 10.40% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 2555 EAST CAMELBACK RD. STE. 700 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $74 | $2K | 10.36% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $63 | $2K | 10.35% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | P.O. BOX 905494 CHARLOTTE, NC 282905494 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.64% |
| 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 | $11 | — | $11 | 0.09% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 2555 EAST CAMELBACK RD. STE. 700 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $408 | $13 | $421 | 10.31% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $1.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 302 | $18K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 96 | $20K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 96 | $27K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $1.2M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 302 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.