| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $76K | $36 | $76K | 1.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $21K | $21K | 0.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16K | $16K | 0.27% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $28 | $14K | 0.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 17875I VON KARMAN SUITE 300 IRVINE, CA 92614 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 10.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCER PROFESSIONAL HEALTH SERVICES NONE | Contract Administrator Service code 13 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $150K |
| HSA BANK NONE | Investment management; Investment advisory (plan) Service code 27 | 605 NORTH 8TH STREET SUITE 320 SHEBOYGAN, WI 53081 | $7K |
| AON CONSULTING NONE | Insurance agents and brokers Service code 22 | 29840 NETWORK PLACE CHICAGO, IL 60673 | $7K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,926 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,926 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICES CORPORATION | 2,939 | $17.4M |
| Dental | HEALTH CARE SERVICES CORPORATION | 2,939 | $17.4M |
| Vision | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 834 | $125K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,604 | $6.1M |
| Prescription drug | HEALTH CARE SERVICES CORPORATION | 2,939 | $17.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,604 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.