| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 306 W ERIE STREET, FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 2.38% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 306 W ERIE STREET, FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.29% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 306 W ERIE STREET, FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.30% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES 784898 | 500 W MADISON ST, STE 3410 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $566 | $4K | 13.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 3.63% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES 784898 | 500 W MADISON ST, STE 3410 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $382 | $3K | 13.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $758 | $0 | $758 | 3.55% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES 784898 | 500 W MADISON ST, STE 3410 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $386 | $3K | 13.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $680 | $0 | $680 | 3.53% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 306 W ERIE STREET, FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $118 | $118 | 2.43% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES 784898 | 500 W MADISON ST, STE 3410 CHICAGO, IL 60606 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $77 | $0 | $77 | 8.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $12 | $0 | $12 | 1.35% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 310 | $252K |
| Vision | VISION SERVICE PLAN | 282 | $41K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 374 | $77K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 373 | $174K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 373 | $70K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 374 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.