| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | $4K | — | $4K | 9.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $3K | $384 | $4K | 11.38% |
| VESTAMERICA INC3 Filed as: VESTAMERICA INC. | 8639 NW 2ND LANE MIAMI, FL 33126 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 6.63% |
| VESTAMERICA INC3 | 8639 NW 2ND LANE MIAMI, FL 33126 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.47% |
| AON CONSULTING INC3 | 199 WATER STREET 12TH FLOOR NEW YORK, NY 10038 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.98% |
| AON CONSULTING INC3 Filed as: AON HEWITT | PO BOX 905494 CHARLOTTE, NC 282905494 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $660 | — | $660 | 13.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | ARAG INSURANCE COMPANY | $207 | — | $207 | 10.00% |
| VESTAMERICA INC3 | 8639 NW 2ND LANE MIAMI, FL 33126 | TRANSAMERICA LIFE INSURANCE COMPANY | $654 | — | $654 | 36.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 199 WATER STREET 12TH FLOOR NEW YORK, NY 10038 | TRANSAMERICA LIFE INSURANCE COMPANY | $436 | — | $436 | 24.24% |
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 | 1,070 | 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) | 1,070 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 1,000 | $847K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | 732 | $36K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,171 | $5K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,165 | $53K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,165 | $31K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,165 | $31K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 1,000 | $847K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,165 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,171 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.