| 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 WILLIS TOWER CHICAGO, IL 60606 | BLUECROSS BLUE SHIELD OF ILLINOIS | $170K | — | $170K | 3.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | BLUECROSS BLUE SHIELD OF ILLINOIS | — | $5K | $5K | 0.12% |
| 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 | $23K | $31 | $23K | 6.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $6K | 1.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 35371 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $1K | $11K | 7.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | EYEMED VISION CARE | $3K | — | $3K | 7.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | EYEMED VISION CARE | $3K | — | $3K | 7.31% |
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 | 615 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF ILLINOIS | 814 | $4.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,106 | $341K |
| Vision | EYEMED VISION CARE | 653 | $42K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 615 | $161K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 615 | $161K |
| Prescription drug | BLUECROSS BLUE SHIELD OF ILLINOIS | 814 | $4.3M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 615 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,106 | — |
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.