| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET 12TH FLOOR NEW YORK, NY 10038 | ZURICH AMERICAN INSURANCE COMPANY | $36K | — | $36K | 15.00% |
| COVALA GROUP3 | 55 BROADWAY, SUITE 701 NEW YORK, NY 10006 | JOHN HANCOCK LIFE INSURANCE COMPANY USA | $11K | — | $11K | 4.79% |
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 | 4,568 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 899 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 94 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 3 | $46K |
| Vision | VISION SERVICE PLAN | 2,616 | $734K |
| Life insurance | AETNA LIFE INSURANCE CO. | 6,513 | $4.5M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 6,513 | $4.5M |
| Other(4 contracts, 3 carriers) | HYATT LEGAL PLANS | 6,513 | $742K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,513 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.