| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IL PRODUCER NO CREDENTIALS-GROUP Filed as: IL NO PRODUCER - GROUP | 1001 E. LOOKOUT DRIVE A-0 RICHARDSON, TX 75082 | BLUE CROSS BLUE SHIELD OF ILLINOIS - HEALTH CARE SERVICE CORPORATION | — | $2K | $2K | 0.00% |
| BAXTER INTERNATIONAL, INC. Filed as: BAXTER HEALTHCARE CORPORATION | 1 BAXTER PARKWAY DEERFIELD, IL 60015 | BLUE CROSS BLUE SHIELD OF ILLINOIS - HEALTH CARE SERVICE CORPORATION | — | $359 | $359 | 0.00% |
| HOME OFFICE TPA PAYS COMMISSION3 Filed as: HOME OFFICE DIRECT | ONE HARTFORD PLAZA HARTFORD, CT 06155 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
| HOME OFFICE TPA PAYS COMMISSION3 Filed as: HOME OFFICE DIRECT | ONE HARTFORD PLAZA HARTFORD, CT 06155 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS - HEALTH CARE SERVICE CORP EIN 36-1236610 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $5.1M |
| CONDUENT EIN 81-2983623 ADMINISTRATION | Plan Administrator Service code 14 | — | $1.2M |
| XEROX HR SOLUTIONS, LLP EIN 16-0468020 ADMINISTRATION | Plan Administrator Service code 14 | — | $624K |
| CAREMARK LLC EIN 95-3382344 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $284K |
| TOWERS WATSON DELAWARE EIN 53-0181291 ADMINISTRATION | Plan Administrator Service code 14 | — | $226K |
| WAGE WORKS EIN 94-3351864 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $139K |
| SEYFARTH SHAW LLP EIN 36-2152202 LEGAL | Legal Service code 29 | — | $71K |
| HEWITT ASSOCIATES LLC EIN 36-2235791 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $25K |
| ALIGHT SOLUTIONS LLC EIN 82-1061233 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $14K |
| COLOR INK INC EIN 39-1529739 CONSULTING | Consulting (general) Service code 16 | — | $8K |
| HILD NELSON DESIGN EIN 36-3125134 CONSULTING | Consulting (general) Service code 16 | — | $6K |
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 | 22,753 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 22,753 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS - HEALTH CARE SERVICE CORPORATION | 24,133 | $110.6M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS - HEALTH CARE SERVICE CORPORATION | 24,133 | $112.1M |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 46,428 | $7.2M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 12,351 | $3.6M |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 46,428 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 46,428 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.