| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $164K | $77K | $241K | 7.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $104K | $55K | $159K | 7.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $41K | $19K | $60K | 7.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | -$2K | -$2K | -0.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | $17K | $8K | $26K | 7.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $16K | $8K | $24K | 7.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 CONSULTING PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $13K | $6K | $19K | 7.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | $4K | $2K | $5K | 7.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING. INC | 29840 NETWORK PL CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 7.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 7.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | $628 | $260 | $888 | 7.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $463 | $217 | $680 | 7.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | $262 | $112 | $374 | 7.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | $2 | — | $2 | 7.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF GEORGIA, INC. EIN 58-1638390 NONE | Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $7.9M |
| CVS EIN 05-0494040 NONE | Claims processing; Contract Administrator Service code 12 | — | $59K |
| AON CONSULTING INC EIN 58-1638390 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 180 N STETSON AVE CHICAGO, IL 60601 | $0 |
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 | 14,803 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 209 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 14 | $68K |
| Dental | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 24,954 | $9.6M |
| Vision | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 24,954 | $9.6M |
| Life insurance(6 contracts) | SECURIAN LIFE INSURANCE COMPANY | 13,027 | $4.7M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 12,995 | $2.3M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 24,954 | $9.6M |
| Other(11 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 14,435 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,954 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.