| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFITS GROUP, LLC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | RELIASTAR LIFE INSURANCE COMPANY | $191K | — | $191K | 3.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. D/B/A | AON CONSULTING OF NEW JERSEY 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $55 | $55 | 0.00% |
| W M ROCHE & ASSOCIATES, INC3 | 1460 RENAISSANCE DR STE 203 PARK RIDGE, IL 600681347 | METROPOLITAN LIFE INSURANCE COMPANY | $64K | — | $64K | 2.60% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $422K | — | $422K | 20.69% |
| W M ROCHE & ASSOCIATES, INC3 | 1460 RENAISSANCE DR STE 203 PARK RIDGE, IL 600681347 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | — | $45K | 2.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 4220 DUNCAN AVE, STE 401 ST. LOUIS, MO 63110 | EXCEPTIONAL RISK ADVISORS | $308K | — | $308K | 24.39% |
| AON CONSULTING INC3 Filed as: AON HEWITT | P.O.BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | — | $55 | $55 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | PO BOX 1414 MINNEAPOLIS, MN 55480 | KAISER PERMANENTE | — | $420 | $420 | 0.10% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ATLANTA | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.27% |
| W M ROCHE & ASSOCIATES, INC3 Filed as: W M ROCHE & ASSOCIATES, INC. | 1460 RENAISSANCE DRIVE, STE 203 PARK RIDGE, IL 60068 | FEDERAL INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.88% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $705 | — | $705 | 4.90% |
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 | 3,119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 396 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | HMO ILLINOIS | 255 | $3.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ILLINOIS | 2,638 | $2.5M |
| Vision(5 contracts, 4 carriers) | HMO ILLINOIS | 2,012 | $3.1M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,924 | $5.6M |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,471 | $903K |
| Long-term disability(6 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,277 | $9.2M |
| Prescription drug(5 contracts, 4 carriers) | HMO ILLINOIS | 255 | $3.0M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 2,589 | $6.0M |
| Other(8 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,924 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,924 | — |
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.