| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $27K | $4K | $30K | 14.47% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 956012 ST LOUIS, MO 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 1.09% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 956012 ST LOUIS, MO 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $12K | $12K | 40.44% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | $471 | $4K | 13.78% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $90 | $4K | — |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | — |
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 | 1,215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 152 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 1,667 | $66K |
| Life insurance(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 2,035 | $577K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 71 | $30K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,219 | $211K |
| Other | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | 366 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,035 | — |
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.