| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | HIGHMARK WESTERN NEW YORK | $791K | — | $791K | 3.96% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $325K | $9K | $334K | 4.00% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 606949000 | AETNA LIFE INSURANCE CO. | $190K | — | $190K | 4.33% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $95K | $95K | 4.17% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | DELTA DENTAL OF NEW YORK | $86K | — | $86K | 6.00% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $21K | $59K | 4.39% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $22K | $5K | $27K | 2.79% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $19K | $4K | $23K | 2.83% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $18K | $4K | $22K | 2.83% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH ST CHICAGO, IL 606016436 | KAISER FOUNDATION HEALTH PLAN INC | $28K | — | $28K | 3.87% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH ST CHICAGO, IL 606016436 | KAISER FOUNDATION HEALTH PLAN INC | $34K | — | $34K | 5.35% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 5.58% |
| JENNIFER BUCK3 | 305 W 6TH STREET PECATONICA, IL 61063 | PRIORITY HEALTH INSURANCE COMPANY | $8K | — | $8K | 2.05% |
| CHARLES AXFORD3 | 5267 MCGAVOCK ROAD BRENTWOOD, TN 37027 | PRIORITY HEALTH INSURANCE COMPANY | $8K | — | $8K | 1.95% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $14K | — | $14K | 3.91% |
| AGENT ROBERT MALLEY3 Filed as: AGENT- JENNIFER BUCK | AON INSURANCE AGENCY LLC 39030 TREASURY CENTER CHICAGO, IL 60694 | PREVEA360 HEALTH PLAN | $9K | — | $9K | 3.86% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $11K | — | $11K | 5.93% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 4 OVERLOOK PARK LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $6K | — | $6K | 3.88% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CTR CHICAGO, IL 606949000 | VISION SERVICE PLAN | $10K | — | $10K | 7.48% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | $495 | $3K | 2.72% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | EYEMED | $8K | — | $8K | 7.44% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $4K | — | $4K | 3.90% |
| AGENT ROBERT MALLEY3 Filed as: AGENT- JENNIFER BUCK | AON INSURANCE AGENCY LLC 39030 TREASURY CENTER CHICAGO, IL 60694 | DEAN HEALTH PLAN INC | $2K | — | $2K | 3.82% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | MEDICAL MUTUAL | $2K | — | $2K | 3.96% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NET | $2K | — | $2K | 4.00% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | UPMC HEALTH OPTIONS | $1K | — | $1K | 3.81% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | DELTA DENTAL OF NEW YORK | $2K | — | $2K | 6.00% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $985 | — | $985 | 4.05% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $845 | $70 | $915 | 4.05% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | UPMC HEALTH OPTIONS | $842 | — | $842 | 3.76% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED | $2K | — | $2K | 7.46% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | UPMC HEALTH OPTIONS | $659 | — | $659 | 4.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | $70 | $3K | 25.65% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED | $560 | — | $560 | 7.44% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $127 | $25 | $152 | 2.71% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | GEISINGER QUALITY OPTIONS, INC. | $360 | $30 | $390 | 6.99% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $122 | — | $122 | 4.66% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | UPMC HEALTH OPTIONS | $52 | — | $52 | 2.66% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $35 | — | $35 | 4.08% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED | $20 | — | $20 | 5.65% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $18 | — | $18 | 5.75% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $60 | — | $60 | — |
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 | 27,553 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 149 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 175 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 27,877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(22 contracts, 17 carriers) | HIGHMARK WESTERN NEW YORK | 2,901 | $37.9M |
| Dental(9 contracts, 8 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,546 | $14.8M |
| Vision(7 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,080 | $9.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 14,432 | $1.3M |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 6,347 | $790K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 2,343 | $803K |
| Prescription drug(10 contracts, 6 carriers) | HIGHMARK WESTERN NEW YORK | 2,901 | $28.8M |
| Other(7 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,432 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,432 | — |
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.