| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEWITT INSURANCE BROKERAGE LLC3 | 100 HALF DAY ROAD LINCOLNSHIRE, IL 60069 | EXCELLUS BLUECROSS BLUESHIELD | $174K | $0 | $174K | 4.00% |
| HEWITT INSURANCE BROKERAGE LLC3 | 100 HALF DAY ROAD LINCOLNSHIRE, IL 60069 | MVP HEALTH CARE | $55K | $0 | $55K | 3.84% |
| KELLEY BENEFITS GROUP, INC.3 | 14975 SANTA LUCIA DRIVE CHARLOTTE, NC 28277 | SUN LIFE ASSURANCE COMPANY OF CANADA | $34K | $0 | $34K | 2.52% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 100 HALF DAY ROAD LINCOLNSHIRE, IL 60069 | BLUE CARE NETWORK OF MICHIGAN | $29K | $0 | $29K | 4.33% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 26533 EVERGREEN ROAD SOUTHFILED, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $6K | $0 | $6K | 0.96% |
| KELLEY BENEFITS GROUP, INC.3 | 14975 SANTA LUCIA DRIVE CHARLOTTE, NC 28277 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 2.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | ALLSTATE BENEFITS | $134K | $0 | $134K | 100.00% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | ALLSTATE BENEFITS | $5K | $0 | $5K | 5.07% |
| KELLEY BENEFITS GROUP, INC.3 | 14975 SANTA LUCIA DRIVE CHARLOTTE, NC 28277 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $14K | $0 | $14K | 15.00% |
| HEWITT INSURANCE BROKERAGE LLC3 | 100 HALF DAY ROAD LINCOLNSHIRE, IL 60069 | MVP HEALTH CARE | $2K | $0 | $2K | 3.81% |
| KELLEY BENEFITS GROUP, INC.3 | 14975 SANTA LUCIA DRIVE CHARLOTTE, NC 28277 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $5K | $0 | $5K | 15.00% |
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 | 3,006 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,036 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 348 | $6.9M |
| Vision | AETNA LIFE INSURANCE CO. | 4,724 | $256K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,006 | $1.4M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,342 | $122K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 415 | $566K |
| Prescription drug(3 contracts, 2 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 348 | $5.2M |
| Other(4 contracts, 2 carriers) | ALLSTATE BENEFITS | 3,003 | $363K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,724 | — |
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."
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.