| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 29840 NETWORK PLACE CHICAGO, IL 60673 | HEALTH NET | $17K | — | $17K | 0.52% |
| JOHN HEALY3 | M3 INSURANCE SOLUTIONS INC. 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DEAN HEALTH PLAN INC. | $23K | — | $23K | 1.16% |
| JOHN HEALY3 | M3 INSURANCE SOLUTIONS INC. 828 JOHN NOLEN DRIVE MADISON, WI 53713 | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | $35K | — | $35K | 1.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $13K | $13K | 1.10% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $5K | $5K | 0.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $6K | $6K | 1.18% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGIO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 0.44% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 3.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | ARAG INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.50% |
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 | 3,457 | 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) | 3,457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 898 | $18.4M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,051 | $462K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,457 | $1.2M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,034 | $540K |
| Prescription drug(5 contracts, 5 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 898 | $18.2M |
| Other(4 contracts, 4 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,491 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,491 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.