| 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 | — | $24K | $24K | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR SUITE 2000 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $99K | $6K | $105K | 0.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 93033 NETWORK PL CHICAGO, IL 606730001 | METROPOLITAN LIFE INSURANCE COMPANY | $92K | $83K | $175K | 3.48% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES, INC. | 23361 MADERO STE 240 MISSION VIEJO, CA 92691 | BLUECROSS BLUESHIELD OF ILLINOIS | $221K | — | $221K | 5.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | 93033 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $80K | — | $80K | 9.11% |
| GARNETT-POWERS & ASSOCIATION INS3 Filed as: GARNETT-POWERS & ASSOC INS SRVS INC | 23361 MADERO STE 240 MISSION VIEJO, CA 926917900 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 6.00% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES INC. | 23361 MADERO STE 240 MISSION VIEJO, CA 926917900 | VISISON SERVICE PLAN | $995 | — | $995 | 3.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIS TOWERS WATSON ACTUARY | Direct payment from the plan; Actuarial Service code 11 | 233 SOUTH WACKER DRIVE SUITE 1800 CHICAGO, IL 60606 | $123K |
| HEWITT ASSOCIATES LL CONSULTANT | Direct payment from the plan; Consulting (general) Service code 16 | 100 HALF DAY RD LINCOLNSHIRE, IL 600693258 | $52K |
| THOMSON REUTERS CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | 230 S LA SALLE ST CHICAGO, IL 60604 | $23K |
| K & L GATES LLP CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | 70 WEST MADISON STREET SUITE 3100 CHICAGO, IL 606024207 | $10K |
| VEDDER PRICE KAUFMAN CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | 222 N LA SALLE ST SUITE 2600 CHICAGO, IL 60601 | $9K |
| WASHINGTON PITTMAN AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | 819 S WABASH AVE #600 CHICAGO, IL 60605 | $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 | 16,266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,258 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 808 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD HMO ILLINOIS | 9,461 | $49.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,162 | $5.2M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 4,737 | $906K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,162 | — |
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.