| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - SEATTLE | 81420 5TH AVENUE SEATTLE, WA 981014030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 7.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SEATTLE | 81420 5TH AVENUE SEATTLE, WA 981014030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.24% |
| PETER J MACE3 Filed as: PETER J. MACE | 5775 E. GLENRIDGE DR., SUITE 500 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$4K | — | -$4K | -6.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SEATTLE | 81420 5TH AVENUE SEATTLE, WA 981014030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $655 | $5K | 9.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SEATTLE | 81420 5TH AVENUE SEATTLE, WA 981014030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $632 | $8K | 16.25% |
| PETER J MACE3 Filed as: PETER J. MACE | 3350 RIVERWOOD PARKWAY 80 SUITE 500 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $582 | — | $582 | 2.11% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE | BENEFITS TECHNOLOGIES - DIV 15 20 WIGHT AVE., SUITE 160 COCKEYSVILLE, MD 21030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $269 | — | $269 | 0.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $138 | — | $138 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREMERA BLUE CROSS NONE | Direct payment from the plan; Contract Administrator Service code 13 | P.O. BOX 91060 SEATTLE, WA 981119160 | $148K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $47K |
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 | 675 | 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) | 675 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 675 | $47K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 674 | $235K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 674 | $157K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 674 | $209K |
| Stop-loss / reinsurancereinsurance | LIFEWISE ASSURANCE COMPANY | 675 | $375K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 674 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 675 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.