| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $279 | $7K | $7K | 2.44% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS INC | $6K | — | $6K | 4.00% |
| AON CONSULTING INC5 | 29840 NETWORK PLACE CHICAGO, IL 60673 | EXPRESS SCRIPTS INC | $4K | — | $4K | 2.34% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INS CO | $15K | — | $15K | 11.76% |
| AON CONSULTING INC5 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED AMERICAN INS CO | $7K | — | $7K | 5.88% |
| HEWIIT INSURANCE BROKERAGE3 Filed as: HEWIIT INSURANCE BROKERAGE, LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES(CIGNA) | — | $6K | $6K | 5.54% |
| HEWIIT INSURANCE BROKERAGE3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | AETNA LIFE INSURANCE CO. | $32 | — | $32 | 0.11% |
| HEWIIT INSURANCE BROKERAGE3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $486 | — | $486 | 3.75% |
| AON CONSULTING INC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | UPMC HEALTH OPTIONS | $305 | — | $305 | 3.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AON CONSULTING EIN 22-2232264 NONE | Actuarial Service code 11 | — | $98K |
| AON HEWITT INVESTMENT CONSULTING, I EIN 36-3109431 NONE | Investment advisory (plan); Consulting (general) Service code 16 | — | $14K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $9K |
| MCCONNELL & JONES, LLP EIN 76-0488832 NONE | Accounting (including auditing) Service code 10 | — | $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 | 483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 99 | $572K |
| Prescription drug | EXPRESS SCRIPTS INC | 72 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.