| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN | $8K | — | $8K | 0.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD EIN 36-1236610 NONE | Claims processing; Other insurance fees and expenses; Contract Administrator Service code 12 | — | $4.8M |
| ALIGHT SOLUTIONS EIN 36-2235791 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $2.8M |
| MERITAIN HEALTH EIN 16-2164154 NONE | Insurance agents and brokers; Contract Administrator; Other insurance fees and expenses Service code 13 | P.O. BOX 853921 RICHARDSON TEXAS, TX 75085 | $1.8M |
| ACCOLADE, INC. EIN 01-0969591 NONE | Insurance agents and brokers; Contract Administrator; Other insurance fees and expenses Service code 13 | — | $1.7M |
| AON CONSULTING EIN 22-2232264 NONE | Claims processing; Other insurance fees and expenses Service code 12 | — | $604K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Other insurance fees and expenses; Claims processing Service code 12 | 100 PARSONS POND DRVE FRANKLIN LAKES, NJ 07417 | $415K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Named fiduciary; Direct payment from the plan; Participant communication; Other services; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing Service code 12 | — | $323K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Other insurance fees and expenses; Contract Administrator Service code 13 | — | $155K |
| MDLIVE EIN 45-4937055 NONE | Other insurance fees and expenses; Contract Administrator Service code 13 | — | $120K |
| CROWE LLP EIN 35-0921680 NONE | Other fees; Accounting (including auditing); Consulting fees; Direct payment from the plan Service code 10 | — | $64K |
| BELL LITHO INC. EIN 36-2550923 NONE | Copying and duplicating; Other fees Service code 36 | — | $57K |
| EMPLOYER DIRECT HEALTHCARE INC. EIN 45-3780484 NONE | Contract Administrator; Other insurance fees and expenses; Insurance agents and brokers Service code 13 | — | $46K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $29K |
| MDX MEDICAL LLC EIN 26-3441881 NONE | Other insurance fees and expenses; Contract Administrator Service code 13 | — | $14K |
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 NONE | Claims processing; Other insurance fees and expenses; Other services Service code 12 | — | $13K |
| SEYFARTH SHAW LLP EIN 36-2152202 NONE | Legal; Direct payment from the plan Service code 29 | — | $6K |
| CIGNA | Non-monetary compensation; Float revenue; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary Service code 12 | — | $0 |
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 | 27,705 | 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) | 27,705 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(25 contracts, 5 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 15,618 | $103.1M |
| Dental(14 contracts, 2 carriers) | SIMNSA | 353 | $1.6M |
| Vision | VISION SERVICE PLAN | 14,156 | $2.3M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 34,710 | $10.8M |
| Short-term disability(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 34,710 | $11.7M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 34,710 | $10.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,710 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.