| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 200 E RANDOLPH ST STE 900 CHICAGO, IL 606016436 | BLUECROSS BLUESHIELD OF ILLINOIS | $97K | — | $97K | 1.23% |
| AON CONSULTING INC3 | 555 E LANCASTER AVE RADNOR, PA 19087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | — | $29K | 6.11% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST STE 900 CHICAGO, IL 606016436 | BLUECROSS BLUESHIELD OF ILLINOIS | $9K | — | $9K | 2.81% |
| AON CONSULTING INC3 Filed as: AON HEWITT | PO BOX 905494 CHARLOTTE, NC 282905494 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $7K | — | $7K | 10.82% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST STE 900 CHICAGO, IL 606016436 | FLORIDA COMBINED LIFE INSURANCE COMPANY | $2K | — | $2K | 5.12% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | COMPBENEFITS | $3K | — | $3K | 9.82% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST STE 900 CHICAGO, IL 606016436 | FLORIDA COMBINED LIFE INSURANCE COMPANY | $1K | — | $1K | 5.11% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST STE 900 CHICAGO, IL 606016436 | FEDERAL INSURANCE COMPANY | $556 | — | $556 | 15.01% |
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 | 1,608 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,639 | $7.9M |
| Dental(4 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 816 | $415K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 1,629 | $66K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,036 | $469K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,036 | $469K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,036 | $469K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 1,639 | $7.9M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,036 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,639 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.