| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $121K | $15K | $136K | 1.22% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 E RANDOLPH STREET 9TH FLOOR CHICAGO, IL 60601 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $12K | $15K | $28K | 6.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 5.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.15% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY - EXCHANGE | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $7K | — | $7K | 9.21% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $1K | — | $1K | 1.63% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 E RANDOLPH STREET 9TH FLOOR CHICAGO, IL 60601 | FLORIDA COMBINED LIFE | $5K | — | $5K | 7.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 E RANDOLPH 13TH 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 | 1,842 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,848 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,230 | $489K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 1,868 | $79K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,239 | $350K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,209 | $148K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,240 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,868 | — |
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.