| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATION LLC | 311 S WACKER DR, STE 1550 CHICAGO, IL 606066741 | METLIFE | — | $178 | $178 | 0.62% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METLIFE | — | $90 | $90 | 0.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD IL EIN 36-1236610 NONE | Claims processing Service code 12 | — | $470K |
| AON CONSULTING, INC. EIN 22-2232264 NONE | Actuarial; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting fees Service code 11 | — | $172K |
| TIC INTERNATIONAL CORPORATION EIN 36-2327771 NONE | Plan Administrator Service code 14 | — | $121K |
| IBEW LOCAL UNION 150 EIN 36-1581422 SPONSORING UNION | Other services Service code 49 | — | $69K |
| REINHART BOERNER VAN DEUREN S.C. EIN 39-1126909 NONE | Legal Service code 29 | — | $61K |
| FIRST MIDWEST BANK NONE | Custodial (securities) Service code 19 | 214 WEST WASHINGTON STREET WAUKEGAN, IL 60085 | $32K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $17K |
| MEKETA INC. EIN 04-2659023 NONE | Investment advisory (plan) Service code 27 | — | $16K |
| TRICAST LLC NONE | Other services Service code 49 | 10400 W INNOVATION DR 310 MILWAUKEE, WI 53226 | $15K |
| EMPLOYEE RESOURCE SYSTEMS NONE | Consulting (general) Service code 16 | 29 E MADISON STREET SUITE 1600 CHICAGO, IL 60602 | $12K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Investment management fees paid indirectly by plan; Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $7K |
| ERIC J. FERNANDEZ & COMPANY EIN 36-3141842 NONE | Accounting (including auditing) Service code 10 | — | $6K |
| BANSLEY AND KIENER, LLP EIN 36-2152389 NONE | Accounting (including auditing) Service code 10 | — | $6K |
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 | 696 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 447 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 940 | $452K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 940 | $424K |
| Other(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 940 | $452K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.