| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | UNKNOWN CHICAGO, IL 60601 | BLUECROSS BLUESHIELD OF ILLINOIS | $48K | $2K | $50K | 2.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | BLUECROSS BLUESHIELD OF ILLINOIS | $25K | $0 | $25K | 1.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 3.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 5 TRIAD CENTER, SUITE 525 SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 0.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING. INC. | P.O. BOX 803507 DALLAS, TX 75380 | DEARBORN LIFE INSURANCE COMPANY | $913 | $0 | $913 | 7.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $304 | $0 | $304 | 2.50% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 214 | $1.8M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 214 | $1.8M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 99 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 120 | $259K |
| Short-term disability | STANDARD INSURANCE COMPANY | 120 | $259K |
| Long-term disability | STANDARD INSURANCE COMPANY | 120 | $259K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 214 | $1.8M |
| Other | STANDARD INSURANCE COMPANY | 120 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.