No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIS TOWERS WATSON EIN 53-0181291 ACTUARY | Actuarial Service code 11 | — | $120K |
| WELLINGTON TRUST COMPANY EIN 04-2755549 INVESTMENT MANAGER | Investment management fees paid directly by plan Service code 51 | — | $90K |
| ERNEST & YOUNG EIN 34-6565596 AUDITING | Accounting (including auditing) Service code 10 | — | $44K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 INVEST MANAGER/TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $31K |
| DELOITTE TAX LLP EIN 86-1065772 TAX PREPARER | Accounting (including auditing) Service code 10 | — | $18K |
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 | 4,866 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,866 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 5 carriers) | HEALTH CARE SERVICE CORP/BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,744 | $6.5M |
| Dental | HEALTH CARE SERVICE CORP/BLUE CROSS BLUE SHIELD OF ILLINOIS | 4,136 | $0 |
| Life insurance | DEARBORN NATIONAL LIFE | 4,018 | $249K |
| Prescription drug(8 contracts, 5 carriers) | HEALTH CARE SERVICE CORP/BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,744 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,136 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.