| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUECHOICE HEALTH PLAN | $281K | — | $281K | 1.44% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH INC. | NORTHERN TRUST BANK 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | RELIASTAR LIFE INSURANCE COMPANY | $125K | — | $125K | 7.74% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | — | $27K | $27K | 1.70% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS | 40 WEST BROAD STREET, SUITE 210 GREENVILLE, SC 29601 | DELTA DENTAL OF MISSOURI | $102K | — | $102K | 6.91% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC. | 75 REMITTANCE DRIVE, DEPT 1446 CHICAGO, IL 606751446 | VISION SERVICE PLAN | $11K | — | $11K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET NEW YORK, NY 10038 | FEDERAL INSURANCE COMPANY | $0 | — | $0 | — |
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 | 1,729 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECHOICE HEALTH PLAN | 4,183 | $21.1M |
| Dental | DELTA DENTAL OF MISSOURI | 4,005 | $1.5M |
| Vision | VISION SERVICE PLAN | 1,654 | $222K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,183 | $1.6M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,183 | $1.6M |
| Prescription drug | BLUECHOICE HEALTH PLAN | 1,775 | $19.5M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,183 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,183 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.