| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $143K | — | $143K | 2.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $4K | $4K | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $1K | $8K | 5.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $839 | $489 | $1K | 2.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, 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 TOWERS WATSON MIDWEST, INC | 233 S WACKER DR STE 200 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 42.96% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $1K | $1K | 2.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 14.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $740 | $167 | $907 | 5.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST 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 | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 54 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 825 | $6.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ILLINOIS | 319 | $279K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 308 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $145K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $61K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 825 | $6.1M |
| Other(5 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 451 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 825 | — |
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.