| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 200 E RANDOLPH ST 9TH FLOOR CHICAGO, IL 60601 | BLUE CROSS AND BLUE SHIELD OF IL | $127K | $13K | $139K | 1.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 200 E RANDOLPH ST 9TH FLOOR CHICAGO, IL 60601 | BLUE CROSS AND BLUE SHIELD OF IL | $13K | $13K | $26K | 5.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $6K | $30K | 8.58% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.69% |
| 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 | $8K | — | $8K | 9.95% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST STE 900 CHICAGO, IL 60601 | FLORIDA COMBINED LIFE | $4K | — | $4K | 5.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 E RANDOLPH ST 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 | 1,959 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF IL | 1,342 | $515K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 1,981 | $81K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,311 | $344K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,303 | $149K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,334 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,982 | — |
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.