| 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 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $169K | $15K | $184K | 1.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | DEARBORN LIFE INSURANCE COMPANY | $25K | — | $25K | 2.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WEST | 500 N AKARD STREET STE 4300 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | — | $22K | $22K | 2.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 7.03% |
| 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 | $10K | — | $10K | 14.30% |
| 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 | $5K | — | $5K | 20.08% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $175 | $175 | 0.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $429 | — | $429 | 15.00% |
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 | 2,423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 144 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,698 | $17.8M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,698 | $17.9M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,421 | $130K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 2,351 | $920K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 2,351 | $920K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 2,698 | $17.8M |
| Other(5 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 2,423 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,698 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.