| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEWITT INSURANCE BROKERAGE LLC3 | 100 HALF DAY ROAD LINCOLNSHIRE, IL 60069 | EXCELLUS BLUECROSS BLUESHIELD | $168K | — | $168K | 4.01% |
| KELLEY BENEFITS GROUP, INC.3 | 14975 SANTA LUCIA DRIVE CHARLOTTE, NC 28277 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $98K | $86K | $184K | 9.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | 29840 NETWORK PLACE CHICAGO, IL 60673 | MVP HEALTH CARE | $58K | — | $58K | 3.29% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 100 HALF DAY ROAD LINCOLNSHIRE, IL 60069 | BLUE CARE NETWORK OF MICHIGAN | $31K | — | $31K | 4.62% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 26533 EVERGREEN ROAD SOUTHFILED, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 0.31% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, ILLINOIS | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | — | $48K | 16.18% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS, LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | AETNA LIFE INSURANCE CO. | — | $118 | $118 | 0.05% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | — | $15K | $15K | 14.17% |
| KELLEY BENEFITS GROUP, INC.3 | 14975 SANTA LUCIA DRIVE CHARLOTTE, NC 28277 | RELIASTAR LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| KELLEY BENEFITS GROUP, INC.3 | 14975 SANTA LUCIA DRIVE CHARLOTTE, NC 28277 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $13K | — | $13K | 15.00% |
| KELLEY BENEFITS GROUP, INC.3 | 14975 SANTA LUCIA DRIVE CHARLOTTE, NC 28277 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $5K | — | $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 | 2,861 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 287 | $6.8M |
| Vision | AETNA LIFE INSURANCE CO. | 2,354 | $248K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,131 | $2.0M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,131 | $2.0M |
| Prescription drug(3 contracts, 2 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 287 | $5.0M |
| Other(5 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,131 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,131 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.