| 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 | — | $27K | $27K | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR SUITE 2000 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $14K | $14K | 0.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 93033 NETWORK PL CHICAGO, IL 606730001 | METROPOLITAN LIFE INSURANCE COMPANY | $97K | $63K | $159K | 2.99% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES, INC. | 25909 PALA STE 120 MISSION VIEJO, CA 92691 | BLUECROSS BLUESHIELD OF ILLINOIS | $229K | — | $229K | 6.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | 93033 NETWORK PLACE CHICAGO, IL 606731930 | VISION SERVICE PLAN | $77K | — | $77K | 7.45% |
| HOOPIS PETER H3 | 300 S WACKER DR STE 2000 CHICAGO, IL 606066736 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.65% |
| PEARRE DAVID A II3 | 101 WAUKEGAN RD STE 990 LAKE BLUFF, IL 600441687 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $788 | — | $788 | 0.25% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES INC. | 25909 PALA STE 120 MISSION VIEJO, CA 926917960 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 12.23% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES INC. | 29122 RANCHO VIEJO RD STE 211 SAN JUAN CAPISTRANO, CA 92675 | VISISON SERVICE PLAN | $996 | — | $996 | 3.30% |
| 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 | $170K |
| THOMSON REUTERS CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | 230 S LA SALLE ST CHICAGO, IL 60604 | $33K |
| THE NORTHERN TRUST COMPANY TRUSTEE | Direct payment from the plan; Other fees; Investment management; Trustee (bank, trust company, or similar financial institution); Float revenue Service code 21 | 50 S LASALLE STREET CHICAGO, IL 60603 | $2K |
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 | 21,157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,362 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 22,519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD HMO ILLINOIS | 8,008 | $52.3M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,930 | $5.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 5,288 | $1.1M |
| Life insurance | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 30 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,930 | — |
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.