No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLINGTON TRUST COMPANY EIN 04-2755549 INVESTMENT MGR | Investment management fees paid directly by plan Service code 51 | — | $120K |
| WILLIS TOWERS WATSON EIN 53-0181291 ACTUARY | Actuarial Service code 11 | — | $116K |
| ERNST & YOUNG EIN 34-6565596 AUDITORS | Accounting (including auditing) Service code 10 | — | $54K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 INVESTMENT MGR/TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $41K |
| DELOITTE TAX LLP EIN 86-1065772 TAX PAYER | Accounting (including auditing) Service code 10 | — | $10K |
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 | 3,735 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,735 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | HEALTHCARE SERVICE CORP/BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,314 | $7.0M |
| Dental | HEALTHCARE SERVICE CORP/BLUE CROSS BLUE SHIELD OF ILLINOIS | 4,173 | $0 |
| Life insurance | DEARBORN NATION LIFE | 3,959 | $402K |
| Prescription drug(8 contracts, 6 carriers) | HEALTHCARE SERVICE CORP/BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,314 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,173 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.