| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 123 N. WACKER DRIVE CHICAGO, IL 60606 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $58K | — | $58K | 3.17% |
| LASALLE BENEFITS LLC3 | 200 N LA SALLE ST. STE. 2500 CHICAGO, IL 606011022 | METROPOLITAN LIFE INSURANCE COMPANY | $64K | — | $64K | 10.49% |
| DISABILITY RESOURCE GROUP INC.3 | 2625 W. PETERSON AVE. CHICAGO, IL 606594004 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $4K | $23K | 10.32% |
| BENSMAN ASSOCIATES LTD3 Filed as: BENSMAN ASSOCIATES LLC, INC. | 2333 WAUKEGAN RD. STE. 275 BANNOCKBURN, IL 660151574 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 7.94% |
| JOHN NICHOLS3 | 2625 W. PETERSON AVE. CHICAGO, IL 606594004 | METROPOLITAN LIFE INSURANCE COMPANY | $186 | — | $186 | 0.08% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CHICAGO IL | 29840 NETWORK PLACE CHICAGO, ID 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $16K | — | $16K | 9.98% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | FOUR EVER LIFE INS. CO. | $8K | — | $8K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 2.99% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CHICAGO IL | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $281 | — | $281 | 9.28% |
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 | 1,342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 450 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 220 | $61K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 2,640 | $160K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,714 | $609K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,640 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.