| 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 OF ILLINOIS | $71K | $3K | $74K | 3.92% |
| INFORMATION SYSTEMS AUDIT & CONTROL3 | 3701 ALGONQUIN RD, STE 1010 ROLLING MEADOWS, IL 600083124 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $6 | $6 | 0.00% |
| DREYFUSS & BIRKE LTD0 | 340 MADISON AVE, 21ST FL NEW YORK, NY 101736400 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $3 | $3 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 1800 RIVER DR MOLINE, IL 61265 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA | 2055 GATEWAY PL, STE 450 SAN JOSE, CA 95110 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 2.96% |
| WILLID OG ILLINOIS INC.3 | PO BOX 93225 CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | PO BOX 93225 CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 11.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | 233 S WACKER, STE 2000 WILLIS TOWER CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $702 | $5K | 21.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR, STE 2000 WILLIS TOWER CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2 | $2K | 9.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 425 N MARTINGALE RD, STE 1100 SCHAUMBURG, IL 60173 | EYEMED VISION CARE | $648 | — | $648 | 5.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | 233 S WACKER DR, STE 1850 CHICAGO, IL 60606 | FEDERAL INSURANCE COMPANY | $603 | — | $603 | 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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 288 | $1.9M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $129K |
| Vision | EYEMED VISION CARE | 279 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 134 | $44K |
| Long-term disability | STANDARD INSURANCE COMPANY | 134 | $30K |
| Other(5 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 134 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.