| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH CARE SERVICES CORP0 | 300 E. RANDOLPH ST CHICAGO, IL 60601 | FOUR EVER LIFE INS CO. | — | $6K | $6K | 4.00% |
| DONALD A BECKERLE3 | 425 EAGLE POINTE LANDING EUREKA, MO 63025 | TRUSTMARK INSURANCE COMPANY | $12K | — | $12K | 11.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST. 7TH FLOOR NEW YORK, NY 10281 | HARTFORD LIFE & ACCIDENT | — | $1K | $1K | 24.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOERS WATSON INSURANCE | SERVICES WEST PO BOX 101162 PASADENA, CA 911891162 | HARTFORD LIFE & ACCIDENT | — | $65 | $65 | 1.51% |
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 | 4,589 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 42 | $150K |
| Life insurance | BLUECROSS BLUESHIELD OF ILLINOIS | 4,483 | $1.6M |
| Short-term disability(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 4,438 | $193K |
| Long-term disability | BLUECROSS BLUESHIELD OF ILLINOIS | 2,528 | $609K |
| Other(4 contracts, 4 carriers) | BEACON HEALTH OPTIONS, INC | 9,699 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,699 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.