| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 0.77% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | — | $90 | $90 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV. LLC | SUITE 1710 75 STATE ST. BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 2.71% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE. SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $962 | $962 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVS LLC | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | AETNA LIFE INSURANCE CO. | $5K | $11K | $16K | 3.03% |
| PACIFIC RESORCS BENEFITS ADVSRS LLC3 Filed as: PACIFIC RESORCS BENEFS ADVISORS LLC | 75 STATE STREET SUITE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 13.58% |
| MICHAEL WARD3 Filed as: MICHAEL P FAGAN | 1701 GOLF ROAD SUITE 700 ROLLING MEADOWS, IL 60008 | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 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 | 2,620 | 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) | 2,620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 4,005 | $18.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,550 | $1.4M |
| Vision(4 contracts) | EYEMED VISION CARE | 2,517 | $232K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,176 | $1.0M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 3,272 | $526K |
| Other | ACE AMERICAN INSURANCE COMPANY | 126 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,176 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.