| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | $2K | $43K | 2.03% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 606949000 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 1.97% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $7K | — | $7K | 1.94% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | DELTA DENTAL OF NEW YORK | $4K | — | $4K | 3.00% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES ('CIGNA') | — | $1K | $1K | 1.49% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR | 304 PONCE DE LEON AVE. SUITE 1000 SAN JUAN, PR 009191229 | TRIPLE S SALUD, INC. | $3K | — | $3K | 3.91% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NET | $554 | — | $554 | 1.28% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CTR CHICAGO, IA 606949000 | VISION SERVICE PLAN | $770 | — | $770 | 4.98% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH ST CHICAGO, IL 606016436 | KAISER FOUNDATION HEALTH PLAN INC | $221 | — | $221 | 1.77% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NET | $269 | — | $269 | 2.73% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 4 OVERLOOK PARK LINCOLNSHIRE, IA 60069 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $134 | — | $134 | 2.02% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES ('CIGNA') | $71 | — | $71 | 1.11% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IA 60601 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $64 | — | $64 | 1.25% |
| KIRT DAVIS3 | 539 BROWN CIRCLE ELK GROVE VILLAGE, IL 60007 | PRIORITY HEALTH INSURANCE COMPANY | $25 | — | $25 | 0.82% |
| CHARLES AXFORD3 | 5267 MCGAVOCK ROAD BRENTWOOD, TN 37027 | PRIORITY HEALTH INSURANCE COMPANY | $5 | — | $5 | 0.16% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | UPMC HEALTH OPTIONS | $54 | — | $54 | 1.97% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | $67 | — | $67 | 3.29% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED VISION CARE | $73 | — | $73 | 5.28% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | DELTA DENTAL OF NEW YORK | $34 | — | $34 | 3.04% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED VISION CARE | $52 | — | $52 | 5.31% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED VISION CARE | $13 | — | $13 | 5.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LBI SOFTWARE ENGINEERING EIN 13-3118789 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $187K |
| ALIGHT SOLUTIONS LLC EIN 82-1061233 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan Service code 15 | — | $131K |
| EQUITABLE EIN 13-5570651 SPONSOR | Copying and duplicating; Direct payment from the plan; Other services Service code 36 | — | $120K |
| PRICEWATERHOUSECOOPERS LLP EIN 13-2781641 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $56K |
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $14K |
| CVS CAREMARK NONE | Direct payment from the plan; Other services Service code 49 | CVS HEALTH ONE CVS DRIVE WOONSOCKET, RI 02895 | $7K |
| ALLSUP INCORPORATED NONE | Investment management; Direct payment from the plan Service code 28 | 300 ALLSUP PLACE BELLEVILLE, IL 62223 | $7K |
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 | 10 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,282 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 10 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $3.2M |
| Dental(9 contracts, 8 carriers) | AETNA LIFE INSURANCE CO. | 248 | $647K |
| Vision(5 contracts, 3 carriers) | VISION SERVICE PLAN | 86 | $20K |
| Prescription drug | TRIPLE S SALUD, INC. | 16 | $69K |
| Other(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 16 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.