| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 1420 FIFTH AVENUE, SUITE 1200 SEATTLE, WA 98101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $549 | $5K | 3.41% |
| AON CONSULTING INC3 | 1420 FIFTH AVENUE, SUITE 1200 SEATTLE, WA 98101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $274 | $9K | 15.46% |
| AON CONSULTING INC3 | 1420 FIFTH AVENUE, SUITE 1200 SEATTLE, WA 98101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $277 | $4K | 6.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1420 FIFTH AVENUE, SUITE 1200 SEATTLE, WA 98101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $124 | $4K | 11.60% |
| AON CONSULTING INC3 | 1420 FIFTH AVENUE, SUITE 1200 SEATTLE, WA 98101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $161 | $3K | 10.51% |
| AON CONSULTING INC3 | 1420 FIFTH AVENUE, SUITE 1200 SEATTLE, WA 98101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $28 | $1K | 15.36% |
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 | 827 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 830 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 652 | $44K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 430 | $91K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 827 | $155K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 118 | $94K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 430 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 827 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.