| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 220 E RANDOLPH ST #900 CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $150 | $150 | 0.27% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST #900 CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $133 | $133 | 0.26% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST #900 CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 35.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTIING INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $21 | $21 | 0.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AON CONSULTING INC EIN 35-0472300 INSURANCE AGENT | Consulting fees Service code 70 | 29695 NETWORK PLACE CHICAGO, IL 60673 | $67K |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF IL. A DIVISION OF HEALTH CARE SERVICE CORP | 366 | $4.9M |
| Dental(2 contracts) | BLUE CROSS BLUE SHIELD OF IL. A DIVISION OF HEALTH CARE SERVICE CORP | 366 | $4.9M |
| Vision | BLUE CROSS BLUE SHIELD OF IL. A DIVISION OF HEALTH CARE SERVICE CORP | 25 | $215K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $52K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $55K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF IL. A DIVISION OF HEALTH CARE SERVICE CORP | 366 | $4.9M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF IL. A DIVISION OF HEALTH CARE SERVICE CORP | 366 | $4.7M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.