| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR, STE 2000 CHICAGO, IL 60606 | BLUE CROSS BLUE SHIELD ILLINOIS | $94K | $2K | $97K | 2.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 6.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $695 | $536 | $1K | 2.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR, STE 2000 CHICAGO, IL 60606 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 200 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 34.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $658 | $164 | $822 | 6.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $356 | — | $356 | 14.99% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD ILLINOIS | 646 | $4.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 282 | $230K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 673 | $29K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $124K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $46K |
| Prescription drug | BLUE CROSS BLUE SHIELD ILLINOIS | 646 | $4.0M |
| Other(4 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 278 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.