| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | $491K | $521K | 3.94% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY (G0262) | $294K | — | $294K | 3.38% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $128K | $128K | 4.14% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 606949000 | AETNA LIFE INSURANCE CO. | $94K | — | $94K | 3.87% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 8182 MARYLAND AVENUE ST. LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $98K | $13K | $110K | 10.82% |
| AON CONSULTING INC3 | DBA AON INSURANCE AGENCY LLC 39030 TREASURY CENTER CHICAGO, IL 60694 | DELTA DENTAL OF MISSOURI | $53K | — | $53K | 7.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 8182 MARYLAND AVENUE ST. LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $8K | $40K | 6.25% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 606949000 | AETNA LIFE INSURANCE COMPANY | $383K | — | $383K | 60.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 8182 MARYLAND AVENUE ST. LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 1.25% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $212K | — | $212K | 37.87% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 8182 MARYLAND AVENUE ST. LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $6K | $14K | 2.80% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | UPMC HEALTH OPTIONS | $10K | — | $10K | 3.34% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $14K | — | $14K | 7.91% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 6.97% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC - EXCHANGE | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED VISION CARE | $10K | — | $10K | 8.45% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $4K | — | $4K | 3.62% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IL 606016436 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 3.57% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CTR CHICAGO, IL 606949000 | VISION SERVICE PLAN | $7K | — | $7K | 10.01% |
| JENNIFER N BUCK3 | 305 W 6TH STREET PECATONICA, IL 61063 | PRIORITY HEALTH INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IL 606016436 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 3.67% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $828 | — | $828 | 3.74% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE LLC. | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | GEISINGER QUALITY OPTIONS, INC. | $843 | — | $843 | 4.00% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | ALPHA DENTAL PROGRAMS, INC. | $2K | — | $2K | 8.02% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $406 | — | $406 | 3.58% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | ILLINOIS INS AGENCY LLC 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NET | $410 | — | $410 | 4.00% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 4 OVERLOOK PARK LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS,INC. | $215 | — | $215 | 4.00% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60609 | MEDICAL MUTUAL | $203 | — | $203 | 4.04% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $123 | — | $123 | 7.11% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $75 | — | $75 | 6.80% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $11 | — | $11 | 6.75% |
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 | 4,941 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,952 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(16 contracts, 15 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,577 | $28.1M |
| Dental(9 contracts, 9 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,577 | $16.8M |
| Vision(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,577 | $13.6M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,827 | $1.6M |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,424 | $1.3M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,034 | $1.1M |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,156 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,156 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.