| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 555 E LANCASTER AVE RADNOR, PA 19087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 5.90% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST 9TH FLR CHICAGO, IL 60601 | BLUECROSS BLUESHIELD OF ILLINOIS | $11K | — | $11K | 2.84% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CHICAGO, IL | 29840 NETWORK PL CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $5K | — | $5K | 7.15% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CHICAGO, IL | 75 REMITTANCE DR #1446 CHICAGO, IL 60675 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | — | $2K | 3.70% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST 9TH FLR CHICAGO, IL 60601 | FLORIDA COMBINED LIFE | $2K | — | $2K | 5.78% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST 9TH FLR CHICAGO, IL 60601 | FLORIDA COMBINED LIFE | $2K | — | $2K | 6.27% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST 9TH FLR CHICAGO, IL 60601 | FEDERAL INSURANCE COMPANY | $826 | — | $826 | 15.00% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST 9TH FLR CHICAGO, IL 60601 | BLUECROSS BLUESHIELD OF ILLINOIS | $106K | — | $106K | — |
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 | 1,756 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | 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) | 1,782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,780 | $0 |
| Dental(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 965 | $449K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 1,779 | $65K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,113 | $431K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,113 | $431K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,113 | $431K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 1,780 | $0 |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,113 | $436K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,780 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.