| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CALAMOS INVESTMENTS, LLC5 | 2020 CALAMOS COURT NAPERVILLE, IL 605632775 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $29 | $29 | 0.00% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 100 HALF DAY ROAD LINCOLNSHIRE, IL 600693258 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $19 | $19 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC. | P.O. BOX 905494 CHARLOTTE, NC 28290 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 0.99% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTAL INC. | 75 REMITTANCE DRIVE DEPT 1926 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $845 | $845 | 0.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 3565 PIEDMONT ROAD NE, SUITE 600 ATLANTA, GA 30305 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $17K | — | $17K | 38.32% |
| MORENCY WEIBLE & SAPA INC3 Filed as: MORENCY WEIBLE & SAPA INC. | 2300 CABOT DR., SUITE 100 LISLE, IL 60532 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $876 | — | $876 | 8.34% |
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 | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,010 | $4.3M |
| Dental | DELTA DENTAL OF ILLINOIS | 352 | $440K |
| Vision | VISION SERVICE PLAN | 335 | $53K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 373 | $234K |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 373 | $289K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 373 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,010 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.