| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 3.14% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 3.90% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 1.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 3000 TOWN CENTER SUITE 3000 SOUTHFIELD, MI 48075 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.50% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 5.83% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 1.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 3000 TOWN CENTER SUITE 3000 SOUTHFIELD, MI 48075 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.55% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 7.54% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.66% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 3000 TOWN CENTER SUITE 3000 SOUTHFIELD, MI 48075 | HARTFORD LIFE AND ACCIDENT | $0 | $679 | $679 | 0.61% |
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 | 1,059 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 151 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 145 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 1,615 | $483K |
| Short-term disability(3 contracts) | HARTFORD LIFE AND ACCIDENT | 1,049 | $564K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,049 | $272K |
| Other | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | 291 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,615 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.