| 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 | $340K | — | $340K | 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 | — | $112 | $112 | 0.00% |
| W M ROCHE & ASSOCIATES, INC3 | 1460 RENAISSANCE DR STE 203 PARK RIDGE, IL 600681347 | METROPOLITAN LIFE INSURANCE COMPANY | $59K | — | $59K | 2.25% |
| W M ROCHE & ASSOCIATES, INC3 Filed as: W M ROCHE & ASSOCIATES, INC. | 1460 RENAISSANCE DR, STE 203 PARK RIDGE, IL 600681347 | DELTA DENTAL OF ILLINOIS | $48K | — | $48K | 1.98% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $418K | — | $418K | 19.37% |
| W M ROCHE & ASSOCIATES, INC3 | 1460 RENAISSANCE DR STE 203 PARK RIDGE, IL 600681347 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | — | $37K | 2.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | EXCEPTIONAL RISK ADVISORS | $276K | — | $276K | 24.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. -ATLANTA | 3550 LENOX ROAD SUITE 1700 ATLANTA, GA 30326 | LLOYDS OF LONDON PROVIDED BY HANLEIGH MANAGMENT LLC | $267K | — | $267K | 24.18% |
| AON CONSULTING INC3 | D/B/A AON CONSULTING OF NEW JERSEY 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $112 | $112 | 0.02% |
| 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 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.76% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ATLANTA | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE PAUL REVERE LIFE INSURANCE COMPANY | $704 | — | $704 | 1.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- ATLANTA | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE PAUL REVERE LIFE INSURANCE COMPANY | $446 | — | $446 | 0.88% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.88% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $578 | — | $578 | 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 | 3,458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 396 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,854 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | HMO ILLINOIS | 247 | $3.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ILLINOIS | 2,598 | $2.8M |
| Vision(5 contracts, 4 carriers) | HMO ILLINOIS | 2,232 | $3.4M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,602 | $6.1M |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,282 | $958K |
| Long-term disability(6 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,352 | $10.4M |
| Prescription drug(5 contracts, 4 carriers) | HMO ILLINOIS | 247 | $3.4M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 2,722 | $10.6M |
| Other(9 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,602 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,352 | — |
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.