| 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 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61 | $61 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 S WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.00% |
| BENEFITS EDUCATOR3 | 1954 SUNSET RIDGE RD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 45.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $67 | $67 | 0.52% |
| BENEFITS EDUCATOR3 | 1954 SUNSET RIDGE RD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 51.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $65 | $65 | 0.80% |
| BENEFITS EDUCATOR3 | 1954 SUNSET RIDGE RD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 51.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $64 | $64 | 1.04% |
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 | 547 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 967 | $862K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 269 | $48K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 967 | $862K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 967 | $862K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 967 | $862K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 967 | $889K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 967 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.