| 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 | — | $31 | $31 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DR. STE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.00% |
| 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 EDUCATORS LLC3 | 1954 SUNSET RIDGE RD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 7.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33 | $33 | 0.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13 | $13 | 0.05% |
| BENEFITS EDUCATORS LLC3 | 1954 SUNSET RIDGE RD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $630 | — | $630 | 5.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $32 | $32 | 0.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6 | $6 | 0.05% |
| BENEFITS EDUCATORS LLC3 | 1954 SUNSET RIDGE RD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $860 | — | $860 | 8.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $32 | $32 | 0.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5 | $5 | 0.05% |
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 | 508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 956 | $853K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 283 | $50K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 956 | $853K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 956 | $853K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 956 | $853K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 956 | $901K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 956 | — |
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."
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.