| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $304K | $315K | 3.05% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | AETNA LIFE INSURANCE CO. | $13K | — | $13K | 0.15% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | INDEPENDENCE BLUE CROSS | $248K | — | $248K | 3.09% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $87K | $87K | 3.09% |
| JENNIFER N BUCK3 Filed as: JENNIFER N. BUCK | 305 W 6TH STREET PECATONICA, IL 61063 | PRIORITY HEALTH INSURANCE COMPANY | $63K | — | $63K | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, ID 60674 | HARTFORD LIFE AND ACCIDENT | $62K | — | $62K | 3.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, ID 60674 | HARTFORD LIFE AND ACCIDENT | — | $25K | $25K | 1.54% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | DELTA DENTAL OF PENNSYLVANIA | $67K | — | $67K | 4.50% |
| AON CONSULTING INC4 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IL 606016436 | KAISER FOUNDATION HEALTH PLAN INC - CA | $39K | — | $39K | 2.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 1.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 0.40% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 60694 | AETNA LIFE INSURANCE CO. | $64K | — | $64K | 23.61% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 4 OVERLOOK PARK LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $7K | — | $7K | 2.95% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY | 39030 TREASURY CENTER CHICAGO, IL 606949000 | VISION SERVICE PLAN | $17K | — | $17K | 7.51% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CTR CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 4.88% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NET | $3K | — | $3K | 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 | $4K | — | $4K | 4.46% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $7K | $1K | $8K | 11.55% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED VISION CARE | $4K | — | $4K | 7.94% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED VISION CARE | $1K | — | $1K | 8.06% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED VISION CARE | $371 | — | $371 | 8.13% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED VISION CARE | $44 | — | $44 | 5.95% |
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 | 2,068 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 648 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 8 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,187 | $33.3M |
| Dental(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 3,295 | $10.1M |
| Vision(6 contracts, 3 carriers) | VISION SERVICE PLAN | 1,170 | $423K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,657 | $1.6M |
| Prescription drug | INDEPENDENCE BLUE CROSS | 1,169 | $8.0M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,657 | $892K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,295 | — |
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.