| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 123 N. WACKER DRIVE CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $52K | — | $52K | 3.00% |
| BENSMAN ASSOCIATES LTD3 Filed as: BENSMAN ASSOCIATES LTD. INC. | 2333 WAUKEGAN RD, STE 275 BANNOCKBURN, IL 600151574 | METROPOLITAN LIFE INSURANCE COMPANY | $63K | — | $63K | 9.14% |
| LASALLE BENEFITS LLC3 | 200 N LA SALLE ST STE 2500 CHICAGO, IL 606011022 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 0.78% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $17K | — | $17K | 10.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | EYEMED VISION CARE | $3K | — | $3K | 1.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | FOUR EVER LIFE INSURANCE CO. | $7K | — | $7K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 28290 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 3.00% |
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 | 1,365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS INC. | 26 | $183K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 192 | $54K |
| Vision | EYEMED VISION CARE | 2,598 | $173K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,194 | $686K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 192 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,598 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.