| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | C/O M ANDERSON DEPT 100 HALF DAY RD LINCOLNSHIRE, IL 60069 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $260K | — | $260K | 0.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 929 S ALPINE RD SUITE 402 ROCKFORD, IL 61108 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $87K | — | $87K | 0.15% |
| JR KATZ INC3 Filed as: J R KATZ INC. | ONE NORTHBROOK PLACE 5 REVERE DRIVE, SUITE 130 NORTHBROOK, IL 60062 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $30K | — | $30K | 0.05% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $36K | — | $36K | 1.51% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | STONEBRIDGE | $66K | — | $66K | 3.31% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | TRANSAMERICA | $150K | — | $150K | 12.94% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $44K | — | $44K | 4.98% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | AMERITAS LIFE INSURANCE CORP. | $57K | — | $57K | 10.00% |
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 | 4,832 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 768 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,600 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 11,369 | $65.2M |
| Dental(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 11,369 | $60.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 4,537 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 7,201 | $3.6M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,661 | $877K |
| Prescription drug(2 contracts, 2 carriers) | STONEBRIDGE | 768 | $3.8M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 4,527 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,369 | — |
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.