| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | BLUECROSS BLUESHIELD OF ILLINOIS | $109K | $19 | $109K | 2.39% |
| R.J. O'BRIEN & ASSOCIATES LLC5 Filed as: R.J. O'BRIEN & ASSOCIATES, LLC | 222 S. RIVERSIDE PLAZA SUITE 1200 CHICAGO, IL 606065975 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $30 | $30 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | DELTA DENTAL OF ILLINOIS | $982 | — | $982 | 0.30% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | HARTFORD LIFE AND ACCIDENT | $11K | $2K | $14K | 6.39% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE DEPT. 1926 NORTHER TRUST BANK CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.50% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | VISION SERVICE PLAN | $1K | — | $1K | 5.00% |
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 | 414 | 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) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 884 | $4.5M |
| Dental | DELTA DENTAL OF ILLINOIS | 353 | $330K |
| Vision | VISION SERVICE PLAN | 253 | $28K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 744 | $212K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 744 | $212K |
| Other | HARTFORD LIFE AND ACCIDENT | 744 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 884 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.