| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 955909 ST. LOUIS, MO 63195 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $119K | $1 | $119K | 3.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 3.67% |
| UNKNOWN3 | UNKNOWN CHICAGO, IL 60612 | DELTA DENTAL OF ILLINOIS | $17K | $0 | $17K | 8.16% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING | PO BOX 28963 NEW YORK, NY 10087 | VISION SERVICE PLAN | $760 | $0 | $760 | 1.68% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $357 | $0 | $357 | 0.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 955909 ST. LOUIS, MO 63195 | VISION SERVICE PLAN | $2 | $0 | $2 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $828 | $4K | 25.30% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER AVENUE, SUITE 200 SAINT PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 34.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $837 | $0 | $837 | 15.88% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMIN., INC. | PO BOX 9201 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $425 | $425 | 8.06% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 493 | $3.2M |
| Dental | DELTA DENTAL OF ILLINOIS | 185 | $211K |
| Vision | VISION SERVICE PLAN | 161 | $45K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $224K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $224K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $224K |
| Prescription drug(3 contracts) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 493 | $3.2M |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.