| 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 | — | $128K | $128K | 2.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $81K | $36 | $81K | 1.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 17875 VON KARMAN SUITE 300 IRVINE, CA 92614 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCER PROFESSIONAL HEALTH SERVICES NONE | Contract Administrator Service code 13 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $305K |
| AON CONSULTING NONE | Insurance agents and brokers Service code 22 | 29840 NETWORK PLACE CHICAGO, IL 60673 | $95K |
| HSA BANK NONE | Investment management; Investment advisory (plan) Service code 27 | 605 NORTH 8TH STREET SUITE 320 SHEBOYGAN, WI 53081 | $9K |
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 | 2,944 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,981 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICES CORPORATION | 2,938 | $18.6M |
| Dental | HEALTH CARE SERVICES CORPORATION | 2,938 | $18.6M |
| Vision | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 881 | $140K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,642 | $5.6M |
| Prescription drug | HEALTH CARE SERVICES CORPORATION | 2,938 | $18.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,642 | — |
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.