| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $23K | $23K | 1.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.42% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.39% |
| RAYMOND JAMES FINANCIAL SERVICES3 Filed as: RAYMOND JAMES INSURANCE GROUP | 880 CARILLON PARKWAY ST. PETERSBURG, FL 337161102 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 16.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS INC | 263 SHUMAN BLVD SUITE 110 NAPERVILLE, IL 60563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 10.05% |
| WILLIAM S ROUSONELOS3 | 524 CA CREST DRIVE SHOREWOOD, IL 60404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.95% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT MATAMORA, IL 61548 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.28% |
| AARON J DUNNILL3 | 418 FRANCIS STREET BOURBONNAIS, IL 609142234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $573 | — | $573 | 0.60% |
| JEFFREY LYNN LAMBERT3 | 7 CENTER STREET HINSDALE, IL 60521 | CONTINENTAL AMERICAN INSURANCE COMPANY | $560 | — | $560 | 0.59% |
| BRIAN WHITE3 Filed as: BRIAN M HANLEY | 506 CANTERBURY DRIVE LAGRANGE, GA 30241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $529 | — | $529 | 0.56% |
| CHAD L NELSON3 | 5266 N KUFALK LANE BYRON, IL 61010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $427 | — | $427 | 0.45% |
| TIFFANY ANNE KING3 | 4211 S HURON ST ENGLEWOOD, CO 80110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 0.10% |
| RUBICON REGION LLC3 | 785 GLENWOOD DRIVEE LAKE MARY, FL 32746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 0.09% |
| ZUREK & ASSOCIATES LLC3 Filed as: ZUREK AND ASSOCIATES LLC | 210 DES PLAINES AVENUE UNIT D FOREST PARK, IL 60130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.08% |
| SCOTT LYDEN3 Filed as: SCOTT F LYDEN | 1284 ROSEGATE CT AURORA, IL 60504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.07% |
| KNUTE NELSON3 Filed as: KNUTE TIMOTHY NELSON | 3920 KIPLING AVENUE MINNEAPOLIS, MN 55416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.04% |
| WESTERMAYER AND ASSOCIATES LLC3 | 2001 TRAILCREST LANE #5 KIRKWOOD, MO 63122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $817 | $817 | 1.41% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $3K | $11K | — |
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 | 3,006 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,035 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,013 | $1.4M |
| Vision | VISION SERVICE PLAN | 1,399 | $295K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,863 | $443K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 327 | $95K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,863 | $224K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,863 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,863 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.