| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUECROSS BLUESHIELD OF ILLINOIS | $102K | — | $102K | 3.84% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUECROSS BLUESHIELD OF ILLINOIS | $78K | — | $78K | 4.24% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTH EAST | 29840 NETWORK PLACE CHICAGO, IL 606731298 | DELTA DENTAL OF ILLINOIS | $13K | — | $13K | 7.50% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSIN INS AGCY | PO BOX 28963 NEW YORK, NY 100878963 | VISION SERVICE PLAN | $4K | — | $4K | 10.69% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC OF FLORIDA | PO BOX 955909 ST. LOUIS, MO 631955909 | VISION SERVICE PLAN | $2K | — | $2K | 4.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46 | — | $46 | 0.14% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER AVENUE SUITE 200 ST. PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $2K | — | $2K | 21.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $698 | — | $698 | 10.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BLDG I, SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | — | $354 | $354 | 5.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC - ATLANTA | PO BOX 551343 ATLANTA, GA 30355 | LLOYDS OF LONDON | $869 | — | $869 | 25.55% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF ILLINOIS | 478 | $4.5M |
| Dental | DELTA DENTAL OF ILLINOIS | 184 | $173K |
| Vision | VISION SERVICE PLAN | 161 | $35K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $33K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $21K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $15K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.