| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | $496K | $530K | 3.15% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $379K | $379K | 3.09% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY, LLC | 4 OVERLOOK PT. LINCOLNSHIRE, IL 600694302 | BLUE CROSS BLUE SHIELD OF FLORIDA | $204K | — | $204K | 3.00% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 606949000 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 0.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 0.71% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 1.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18K | $18K | 1.49% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $7K | $51K | 6.51% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.36% |
| JENNIFER N BUCK3 | 305 W 6TH STREET PECATONICA, IL 61063 | PRIORITY HEALTH INSURANCE COMPANY | $22K | — | $22K | 3.00% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60609 | MEDICAL MUTUAL | $19K | — | $19K | 2.99% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $15K | — | $15K | 2.90% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | — | $30K | 5.84% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | DELTA DENTAL INSURANCE COMPANY | $30K | — | $30K | 5.99% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $26K | — | $26K | 5.94% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $64K | $2K | $66K | 18.44% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $60K | $2K | $63K | 17.80% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO. | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $59K | $2K | $61K | 18.26% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CTR CHICAGO, IL 606949000 | VISION SERVICE PLAN | $8K | — | $8K | 7.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LEGAL CLUB | $30K | — | $30K | 29.88% |
| ENROLLMENT ADVISORS INC3 Filed as: ENROLLMENT ADVISORS, LLC | 120 18TH STREET S BIRMINGHAM, AL 35233 | LEGAL CLUB | $552 | — | $552 | 0.54% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC - EXCHANGE | 39030 TRESURY CENTRE CHICAGO, IL 606949000 | EYEMED VISION CARE | $4K | — | $4K | 6.99% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | UPMC HEALTH OPTIONS | $2K | — | $2K | 2.86% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 7.40% |
| 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. | $2K | — | $2K | 4.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN, INC. | $683 | $27 | $710 | 3.21% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | DELTA DENTAL INSURANCE COMPANY | $1K | — | $1K | 5.87% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $637 | $97 | $734 | 6.39% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $35 | $35 | 0.30% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $34 | $4 | $38 | 6.91% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $3 | $3 | 0.55% |
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 | 4,931 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 88 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 10 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,384 | $43.0M |
| Dental(8 contracts, 7 carriers) | AETNA LIFE INSURANCE CO. | 1,648 | $7.4M |
| Vision(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,648 | $1.0M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,915 | $1.2M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,914 | $2.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,468 | $1.4M |
| Prescription drug | MEDICAL MUTUAL | 66 | $645K |
| Other(6 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,915 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,915 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.