| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $115K | — | $115K | 4.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $90 | $21K | 11.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 3.95% |
| THE LOWERY GROUP3 | 445 SALEM PLACE FAIRVIEW HIEGHTS, IL 62208 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 10.00% |
| THE LOWERY GROUP3 | 445 SALEM PLACE FAIRVIEW HEIGHTS, IL 62208 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 12.11% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1650 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | — | $634 | $634 | 19.99% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 8182 MARYLAND AVENUE SUITE 1500 ST. LOUIS, MO 63105 | ACE AMERICAN INSURANCE COMPANY | $476 | — | $476 | 15.01% |
| THE LOWERY GROUP3 | 445 SALEM PLACE FAIRVIEW HEIGHTS, IL 62208 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $206 | — | $206 | 10.00% |
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 | 337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 532 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 772 | $185K |
| Vision | EYEMED | 454 | $29K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 327 | $69K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 311 | $113K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 233 | $55K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 532 | $2.8M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 750 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.