| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | $140K | $136K | $276K | 2.26% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 2.73% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | $895 | $548 | $1K | 4.43% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | $543 | $328 | $871 | 4.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ILLINOIS EIN 36-1236610 NONE | Non-monetary compensation; Contract Administrator; Direct payment from the plan Service code 13 | — | $2.0M |
| ALIGHT SOLUTIONS EIN 82-1061233 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.1M |
| CAREMARK EIN 05-0340626 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $487K |
| ARCHIMEDES NONE | Other services; Direct payment from the plan Service code 49 | 3001 N ROCKY POINT DR E TAMPA, FL 33607 | $464K |
| CIGNA EIN 59-1031071 NONE | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Non-monetary compensation; Claims processing; Named fiduciary; Float revenue Service code 12 | — | $294K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $132K |
| ACCESS HOPE NONE | Contract Administrator; Direct payment from the plan Service code 13 | 1500 E DUARTE RD DUARTE, CA 91010 | $126K |
| HEALTH ADVOCATE EIN 23-3080019 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $119K |
| EXTEND HEALTH EIN 26-0775680 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $96K |
| TELADOC EIN 04-3705970 NONE | Other services; Direct payment from the plan Service code 49 | — | $76K |
| ACE SOLUTIONS NONE | Direct payment from the plan; Other services Service code 49 | 7 OLD BLACKSTOCK RD SPARTANBURG, SC 29301 | $43K |
| NORTHERN TRUST EIN 36-1561860 NONE | Direct payment from the plan; Float revenue; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $20K |
| HEALTH EQUITY EIN 52-2383166 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $10K |
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 | 5,440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,593 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 122 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 625 | $252K |
| Vision(6 contracts) | EYEMED VISION CARE | 6,530 | $1.1M |
| Life insurance(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 16,105 | $12.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 16,105 | $12.2M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,105 | $12.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,105 | — |
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.