| 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 | — | $21K | $21K | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR SUITE 2000 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $106K | $9K | $115K | 0.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 93033 NETWORK PL CHICAGO, IL 606730001 | METROPOLITAN LIFE INSURANCE COMPANY | $102K | $79K | $182K | 3.54% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES, INC. | 23361 MADERO STE 240 MISSION VIEJO, CA 92691 | BLUECROSS BLUESHIELD OF ILLINOIS | $226K | — | $226K | 5.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | 93033 NETWORK PLACE CHICAGO, IL 606731930 | VISION SERVICE PLAN | $89K | — | $89K | 9.16% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES INC. | 25909 PALA STE 120 MISSION VIEJO, CA 92691 | VISISON SERVICE PLAN | $1K | — | $1K | 4.00% |
| 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 | $50K |
| THOMSON REUTERS CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | 230 S LA SALLE ST CHICAGO, IL 60604 | $21K |
| DELOITTE TAX LLP CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | 111 S WAKER DR CHICAGO, IL 60606 | $7K |
| WASHINGTON PITTMAN AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | 819 S WABASH AVE #600 CHICAGO, IL 60605 | $5K |
| THE NORTHERN TRUST COMPANY TRUSTEE | Investment management; Float revenue; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Other fees Service code 21 | 50 S LASALLE STREET CHICAGO, IL 60603 | $3K |
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 | 21,395 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,956 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 23,351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD HMO ILLINOIS | 9,753 | $52.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,106 | $5.3M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 5,000 | $995K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,106 | — |
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.