| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 E RANDOLPH STREET 9TH FLOOR CHICAGO, IL 60601 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $122K | — | $122K | 1.34% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | P.O BOX 955909 ST LOUIS, MO 63195 | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | $19K | $5K | $24K | 5.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | $0 | $4K | $4K | 0.87% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | $0 | $2K | $2K | 0.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | P.O BOX 955909 ST LOUIS, MO 63195 | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | $0 | $1K | $1K | 0.30% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | P.O BOX 955909 ST LOUIS, MO 63195 | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | $0 | $254 | $254 | 0.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 E RANDOLPH STREET 9TH FLOOR CHICAGO, IL 60601 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $12K | — | $12K | 2.84% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CHICAGO, IL | 20840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $5K | — | $5K | 5.96% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC - EXCHANGE | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $3K | — | $3K | 4.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 E RANDOLPH STREET 9TH FLOOR CHICAGO, IL 60601 | FLORIDA COMBINED LIFE | $5K | — | $5K | 7.22% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 E RANDOLPH STREET 9TH FLOOR CHICAGO, IL 60601 | FEDERAL INSURANCE COMPANY | $824 | — | $824 | 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 | 1,912 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,935 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,912 | $9.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,192 | $493K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 1,907 | $82K |
| Life insurance | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | 1,208 | $466K |
| Long-term disability | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | 1,208 | $466K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,912 | $9.1M |
| Other | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | 1,208 | $466K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,912 | — |
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.