| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 180 N STETSON AVE CHICAGO, IL 60601 | COMMUNITY INSURANCE COMPANY | $44K | — | $44K | 1.63% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC. | 8044 MONTGOMERY ROAD STE 405 CINCINNATI, OH 45236 | SUPERIOR DENTAL CARE INC. | $7K | — | $7K | 4.69% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $696 | $696 | 0.90% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $392 | $392 | 0.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $422 | $422 | 0.93% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $260 | $260 | 0.58% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $221 | $221 | 0.85% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $125 | $125 | 0.48% |
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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 517 | $2.7M |
| Dental | SUPERIOR DENTAL CARE INC. | 527 | $150K |
| Vision | COMMUNITY INSURANCE COMPANY | 517 | $2.7M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 330 | $45K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 330 | $77K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 330 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
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.