| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $7K | $250K | $257K | 0.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | $35K | $43K | $77K | 0.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $3K | $16K | $19K | 0.22% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $11K | $11K | 0.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $88K | $122K | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $68K | $41 | $68K | 0.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $68K | $68K | 0.83% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $104 | $5K | 0.06% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE SOUTH SUITE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $713 | $713 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITEDHEATHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.97% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | MONUMENTAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 6.68% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $6K | $0 | $6K | 20.00% |
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 | 23,411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 5,339 | $36.9M |
| Dental(2 contracts, 2 carriers) | UNITEDHEATHCARE INSURANCE COMPANY | 138 | $880K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 19,385 | $1.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 23,411 | $8.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 16,317 | $8.6M |
| Prescription drug(6 contracts, 6 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 5,339 | $36.4M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 23,411 | $16.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,411 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.