| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $15K | $17K | $33K | 4.20% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUECROSS BLUESHIELD OF ILLINOIS | $78K | $947 | $79K | 11.71% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $12K | $14K | $26K | 4.20% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 28290 | OXFORD HEALTH INSURANCE,INC. | $10K | — | $10K | 2.00% |
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 | 1,364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 299 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,663 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,364 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,355 | $1.2M |
| Vision(2 contracts) | EYEMED | 2,702 | $0 |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 1,531 | $1.4M |
| Prescription drug | CVS PHARMACY INC. | 2,921 | $263K |
| Other | BLUECROSS BLUESHIELD OF ILLINOIS | 1,364 | $674K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,921 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.