| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 100 HALF DAY ROAD LINCOLNSHIRE, IL 60029 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $75K | — | $75K | 0.99% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 100 HALF DAY ROAD LINCOLNSHIRE, IL 60029 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $65K | — | $65K | 1.00% |
| AON CONSULTING INC3 Filed as: HEWITT & ASSOCIATES, LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | BLUEGRASS FAMILY HEALTH, INC. | $22K | — | $22K | 1.00% |
| AON CONSULTING INC3 Filed as: HEWITT & ASSOCIATES LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 1.01% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 150 N MICHIGAN AVE STE 3900 CHICAGO, IL 606017604 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | 3.17% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 39340 TREASURY CENTER COMMISSION REVENUE CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN, INC. | $438 | — | $438 | 1.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 N/A | Claims processing Service code 12 | — | $8.4M |
| STAYWELL HEALTH MANAGEMENT EIN 13-2890345 N/A | Claims processing Service code 12 | — | $1.7M |
| EMPYREAN BENEFIT SOLUTIONS, INC. EIN 20-3029813 N/A | Investment advisory (participants) Service code 26 | — | $1.1M |
| CVS CAREMARK EIN 51-0353040 N/A | Claims processing Service code 12 | — | $564K |
| THE NORTHERN TRUST EIN 36-1251860 N/A | Investment advisory (participants) Service code 26 | — | $10K |
| CERIDIAN EIN 33-2236121 N/A | Claims processing Service code 12 | — | $2K |
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 | 16,854 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,388 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 6 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,346 | $18.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,346 | — |
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.