| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $516K | $3K | $519K | 2.78% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $551K | — | $551K | 3.00% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $176K | — | $176K | 2.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | WILLIS OF OHIO INC 1001 LAKESIDE AVE CLEVELAND, OH 44114 | HARTFORD LIFE AND ACCIDENT | $180K | — | $180K | 5.16% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH INC | 1100 REYNOLDS BLVD WINSTON SALEM, NC 27105 | HARTFORD LIFE AND ACCIDENT | $145K | — | $145K | 4.14% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 1116 HAMMONTON, NJ 08037 | HARTFORD LIFE AND ACCIDENT | $104K | — | $104K | 2.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | AON CONSULTING INC 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $36K | $36K | 1.02% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 0.14% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | UPMC HEALTH OPTIONS | $49K | — | $49K | 2.57% |
| CHARLES AXFORD3 | AON INSURANCE AGENCY LLC 39030 TREASURY CTR CHICAGO, IL 60694 | DELTA DENTAL OF KENTUCKY | $40K | — | $40K | 2.10% |
| JENNIFER BUCK3 | AON INSURANCE AGENCY LLC 39030 TREASURY CENTER CHICAGO, IL 60694 | DELTA DENTAL OF KENTUCKY | $39K | — | $39K | 2.06% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 606949000 | AETNA LIFE INSURANCE CO. | $39K | — | $39K | 2.98% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | GEISINGER QUALITY OPTIONS, INC. | $38K | — | $38K | 3.00% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | MEDICAL MUTUAL | $29K | — | $29K | 2.97% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 4.84% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $11K | — | $11K | 4.51% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CTR CHICAGO, IL 606949000 | VISION SERVICE PLAN | $17K | — | $17K | 8.05% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH ST CHICAGO, IL 606016436 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 3.03% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED | $6K | — | $6K | 6.84% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED | $3K | — | $3K | 6.87% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NET | $869 | — | $869 | 3.00% |
| CHARLES AXFORD3 | 5267 MCGAVOCK ROAD BRENTWOOD, TN 37027 | PRIORITY HEALTH INSURANCE COMPANY | $453 | — | $453 | 2.09% |
| JENNIFER N BUCK3 | 305 W 6TH STREET PECATONICA, IL 61063 | PRIORITY HEALTH INSURANCE COMPANY | $199 | — | $199 | 0.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | ONE LIBERTY PLAZA 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED | $551 | — | $551 | 6.86% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $51 | — | $51 | 3.01% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED | $102 | — | $102 | 21.84% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH INC | 1100 REYNOLDS BLVD WINSTON SALEM, NC 27105 | HARTFORD LIFE AND ACCIDENT | $8 | — | $8 | 13.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | WILLIS OF OHIO INC 1001 LAKESIDE AVE CLEVELAND, OH 44114 | HARTFORD LIFE AND ACCIDENT | $4 | — | $4 | 6.67% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY, INC | AON CONSULTING INC 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $1 | $1 | 1.67% |
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 | 5,136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 161 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 116 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 11 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,069 | $48.8M |
| Dental(5 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 5,016 | $22.4M |
| Vision(7 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,069 | $19.3M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,891 | $3.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,564 | $60 |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,891 | $3.5M |
| Prescription drug | MEDICAL MUTUAL | 80 | $975K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,891 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,016 | — |
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.