| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA | $36K | $186K | $222K | 5.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NJ INC. | 29840 NETWORK PLACE CHICAGO, IL 606731299 | THE HARTFORD | $30K | $6K | $36K | 10.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR | PO BOX 191229 SAN JUAN, PR 009191229 | HUMANA INSURANCE OF PUERTO RICO | $7K | $29K | $36K | 28.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HM LIFE INSURANCE CO. | $5K | — | $5K | 12.00% |
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 | 491 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA | 364 | $4.4M |
| Dental(2 contracts, 2 carriers) | CIGNA | 364 | $4.2M |
| Vision | HM LIFE INSURANCE CO. | 307 | $38K |
| Life insurance | THE HARTFORD | 491 | $342K |
| Short-term disability | THE HARTFORD | 491 | $342K |
| Long-term disability | THE HARTFORD | 491 | $342K |
| Other | THE HARTFORD | 491 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.