| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 SOUTH WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD HMO ILLINOIS | — | $23K | $23K | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | PO BOX 1650 MILWAUKEE, WI 532011650 | BLUECROSS BLUESHIELD OF ILLINOIS | $91K | — | $91K | 0.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 93033 NETWORK PL CHICAGO, IL 606730001 | METROPOLITAN LIFE INSURANCE COMPANY | $81K | $36K | $118K | 2.65% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES, INC. | 23361 MADERO STE 240 MISSION VIEJO, CA 92691 | BLUECROSS BLUESHIELD OF ILLINOIS | $254K | — | $254K | 5.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | 131 S DEARBORN ST STE 600 CHICAGO, IL 606035570 | VISION SERVICE PLAN | $66K | $13 | $66K | 10.00% |
| GARNETT-POWERS & ASSOCIATION INS3 Filed as: GARNETT-POWERS & ASSOC INS SRVS INC | 23361 MADERO STE 240 MISSION VIEJO, CA 926917900 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 6.00% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES INC. | 23361 MADERO STE 240 MISSION VIEJO, CA 926917900 | VISISON SERVICE PLAN | $940 | — | $940 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEWITT ASSOCIATES LL CONSULTANT | Direct payment from the plan; Consulting (general) Service code 16 | 100 HALF DAY RD LINCOLNSHIRE, IL 600693258 | $309K |
| K & L GATES LLP CONSULTANT | Direct payment from the plan; Consulting (general) Service code 16 | 70 WEST MADISON STREET SUITE 3100 CHICAGO, IL 606024207 | $51K |
| DELOITTE TAX LLP CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | 111 S WAKER DR CHICAGO, IL 60606 | $29K |
| THOMSON REUTERS CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | 230 S LA SALLE ST CHICAGO, IL 60604 | $17K |
| WASHINGTON PITTMAN AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | 819 S WABASH AVE #600 CHICAGO, IL 60605 | $16K |
| STRATEGIC BENEFIT AD CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | 203 N LA SALLE ST CHICAGO, IL 60601 | $7K |
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 | 15,181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,693 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 281 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD HMO ILLINOIS | 8,722 | $49.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,092 | $4.6M |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 4,235 | $675K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,092 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.