| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 0.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. D/B/A | AON CONULTING OF NEW JERSEY P.O. BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40 | $40 | 0.00% |
| W M ROCHE & ASSOCIATES, INC3 | 1460 RENAISSANCE DR STE 203 PARK RIDGE, IL 600681347 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | — | $50K | 2.11% |
| W M ROCHE & ASSOCIATES, INC3 | 1460 RENAISSANCE DR STE 203 PARK RIDGE, IL 600681347 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | — | $42K | 2.28% |
| AON CONSULTING INC3 | 1 PIEDMONT CTR NE STE 600 ATLANTA, GA 303051501 | METROPOLITAN LIFE INSURANCE COMPANY | $178K | — | $178K | 21.89% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 6711 COLUMBIA GATEWAY DR. SUITE 450 COLUMBIA, MD 21046 | CAREFIRST | — | $4K | $4K | 0.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | — | $788 | $788 | 0.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | D/B/A AON CONSULTING OF NEW JERSEY P.O. BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40 | $40 | 0.01% |
| W M ROCHE & ASSOCIATES, INC3 Filed as: W M ROCHE & ASSOCIATES, INC. | 1460 RENAISSANCE DRIVE, STE 203 PARK RIDGE, IL 60068 | FEDERAL INSURANCE COMPANY | $16K | — | $16K | 14.82% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 10.52% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 10.70% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $738 | — | $738 | 12.37% |
| AON CONSULTING INC3 | PO BOX 905494 CHAROLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $169 | — | $169 | 12.22% |
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 | 3,037 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 245 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | HMO ILLINOIS | 5,441 | $5.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ILLINOIS | 2,402 | $2.5M |
| Vision(6 contracts, 5 carriers) | HMO ILLINOIS | 1,727 | $3.7M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,941 | $5.9M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,422 | $538K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,037 | $5.1M |
| Prescription drug(6 contracts, 5 carriers) | HMO ILLINOIS | 383 | $3.8M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 5,441 | $1.2M |
| Other(10 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,941 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,441 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.