| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $535K | $535K | 3.17% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $431K | $453K | 2.92% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 606949000 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 0.07% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY, LLC | 4 OVERLOOK PT. LINCOLNSHIRE, IL 600694302 | BLUE CROSS BLUE SHIELD OF FLORIDA | $63K | — | $63K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 0.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $22K | $22K | 1.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 1.52% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60609 | MEDICAL MUTUAL | $27K | $38 | $27K | 3.01% |
| JENNIFER N BUCK3 | 305 W 6TH STREET PECATONICA, IL 61063 | PRIORITY HEALTH INSURANCE COMPANY | $24K | — | $24K | 3.00% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $37K | — | $37K | 5.94% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | DELTA DENTAL INSURANCE COMPANY | $25K | — | $25K | 6.00% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $98K | $1K | $99K | 24.29% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO. | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $98K | $1K | $99K | 25.09% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $97K | $2K | $98K | 26.07% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $10K | — | $10K | 2.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LEGAL CLUB | $43K | — | $43K | 34.00% |
| ENROLLMENT RESOURCES GROUP3 Filed as: ENROLLMENT ADVISORS, LLC | 120 18TH STREET S BIRMINGHAM, AL 35233 | LEGAL CLUB | $610 | — | $610 | 0.48% |
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS LLC | 1000 E BROWARD BOULEVARD FORT LAUDERDALE, FL 33301 | LEGAL CLUB | $187 | — | $187 | 0.15% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | VISION SERVICE PLAN | $7K | — | $7K | 7.48% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC - EXCHANGE | 39030 TRESURY CENTRE CHICAGO, IL 606949000 | EYEMED VISION CARE | $4K | — | $4K | 6.69% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $690 | — | $690 | 1.65% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | DELTA DENTAL INSURANCE COMPANY | $1K | — | $1K | 5.83% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | UPMC HEALTH OPTIONS | $571 | — | $571 | 2.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN, INC. | $447 | — | $447 | 2.75% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $843 | $176 | $1K | 6.75% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $61 | $13 | $74 | 7.04% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $25K | $25K | — |
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 | 4,612 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 10 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 2,171 | $42.8M |
| Dental(8 contracts, 7 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,171 | $21.7M |
| Vision(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,171 | $15.7M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,750 | $1.3M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,904 | $2.4M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,517 | $1.4M |
| Prescription drug | MEDICAL MUTUAL | 73 | $900K |
| Other(6 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,750 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,904 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.