| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY, LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $406K | $406K | 4.50% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 60694 | AETNA LIFE INSURANCE COMPANY | $0 | $234K | $234K | 4.56% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY, LLC | 100 HALF DAY ROAD LINCOLNSHIRE, IL 60069 | BLUECROSS BLUESHIELD OF TEXAS | $188K | $53 | $188K | 4.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $161K | $28K | $189K | 10.99% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY, LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $54K | $54K | 4.17% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY, LLC | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN, INC. | $24K | $0 | $24K | 4.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN, INC. | $72 | $0 | $72 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $22K | $0 | $22K | 8.59% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET, SUITE 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $131K | $0 | $131K | 67.02% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY, LLC | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $7K | $0 | $7K | 4.05% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY, LLC | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $6K | $0 | $6K | 4.60% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY, LLC | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | UPMC HEALTH PLAN | $5K | $0 | $5K | 4.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | ALPHA DENTAL PROGRAMS, INC. | $12K | $0 | $12K | 10.00% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY, LLC | 4 OVERLOOK PARK LINCOLNSHIRE, IL 60069 | MEDICAL MUTUAL | $4K | $4 | $4K | 4.01% |
| JENNIFER N BUCK3 Filed as: JENNIFER N. BUCK | 305 WEST 6TH STREET PECATONICA, IL 61063 | PRIORITY HEALTH INSURANCE COMPANY | $3K | $0 | $3K | 4.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS, INC. | $5K | $0 | $5K | 8.71% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 717 NORTH HARWOOD, SUITE 2500 DALLAS, TX 75201 | METLIFE LEGAL PLANS, INC. | $0 | $111 | $111 | 0.20% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY, LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | HEALTH NET | $2K | $0 | $2K | 4.00% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY, LLC | 4 OVERLOOK PARK LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $1K | $0 | $1K | 4.00% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY, LLC | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $727 | $0 | $727 | 4.06% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY, LLC | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $256 | $0 | $256 | 3.60% |
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 | 3,956 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 93 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,074 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 14 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 945 | $21.4M |
| Dental | ALPHA DENTAL PROGRAMS, INC. | 508 | $122K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 3,170 | $251K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,074 | $1.7M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,074 | $1.7M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,074 | $1.7M |
| Prescription drug(14 contracts, 14 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 945 | $21.4M |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,074 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,074 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.