| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23K | $23K | 1.52% |
| ERIC SHRADER3 | M3 INSURANCE SOLUTIONS INC. 828 JOHN NOLEN DRIVE MADISON, WI 53713 | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | $39K | — | $39K | 2.99% |
| ERIC SHRADER3 | M3 INSURANCE SOLUTIONS INC. 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DEAN HEALTH PLAN INC. | $17K | — | $17K | 1.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 1.46% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 7.50% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | ARAG INSURANCE COMPANY | $10K | — | $10K | 10.00% |
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 | 3,496 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 1,270 | $14.0M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,088 | $404K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,558 | $1.5M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,731 | $731K |
| Prescription drug(4 contracts, 4 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 1,270 | $13.8M |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,916 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,916 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.