| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $168K | $27K | $195K | 11.59% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $24K | $24K | 1.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN | $21K | — | $21K | 2.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $53K | $9K | $62K | 11.09% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 0.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | ALLSTATE INSURANCE | $33K | — | $33K | 14.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 2.73% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP SE | 3445 PEACHTREE RD. NE SUITE 200 ATLANTA, GA 303261234 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $37K | $46K | $83K | 50.16% |
| MICHAEL A BOOK3 Filed as: MICHAEL A. BOOK | 530 5TH AVENUE FLOOR 11 NEW YORK, NY 100365101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.58% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP SE | 3445 PEACHTREE RD. NE SUITE 200 ATLANTA, GA 303261234 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $12K | — | $12K | 12.45% |
| MICHAEL A BOOK3 Filed as: MICHAEL A. BOOK | 530 5TH AVENUE FLOOR 11 NEW YORK, NY 100365101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 600084850 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $893 | — | $893 | 0.89% |
| COWAN HOWARD B3 Filed as: COWAN B HOWARD | 530 5TH AVENUE FLOOR 14 NEW YORK, NY 100365112 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $479 | — | $479 | 0.48% |
| DAVID A PEARRE3 Filed as: DAVID A PEARRE II | 101 WAUKEGAN RD. SUITE 990 LAKE BLUFF, IL 600441687 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $127 | — | $127 | 0.13% |
| BUCK CONSULTANTS LLC3 | 485 LEXINGTON AVENUE NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 10.61% |
| CONDUENT HR CONSULTING LLC3 | 420 LEXINGTON AVE. #2220 NEW YORK, NY 101702220 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 15.00% |
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 | 3,564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 180 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,744 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN | 646 | $1.4M |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 6,560 | $431K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,550 | $1.7M |
| Long-term disability(3 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,550 | $825K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,564 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,560 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.