| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $36K | — | $36K | 5.00% |
| GAIL STEINGOLD3 | 1648 N. BURLING, UNIT C CHICAGO, IL 60614 | JOHN HANCOCK LIFE INSURANCE COMPANY USA | $21K | — | $21K | 8.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 39340 TREASURY CENTER CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $40 | $29K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $701K |
| GRANT THORNTON LLP EIN 36-6055558 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $21K |
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 | 1,208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 834 | $686K |
| Vision | VISION SERVICE PLAN INSURANCE COMPANY | 583 | $110K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 945 | $196K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,155 | $720K |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORPORATION, A MUTUAL LEGAL RESERVE COMPANY | 2,191 | $783K |
| Other(3 contracts, 3 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY USA | 945 | $458K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,191 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.