| 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 | $0 | $27K | $27K | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | $0 | $12K | $12K | 0.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93033 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $86K | $31 | $86K | 1.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 93033 NETWORK PL CHICAGO, IL 606730001 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $44K | $70K | 1.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $54K | $54K | 0.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | $218K | $7K | $224K | 5.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | 93033 NETWORK PLACE CHICAGO, IL 606731930 | VISION SERVICE PLAN | $54K | $0 | $54K | 4.97% |
| PEARRE DAVID A II3 | 101 WAUKEGAN RD STE 990 LAKE BLUFF, IL 600441687 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $862 | $0 | $862 | 0.26% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY MCROBERTS | 900 E 96TH ST STE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $417 | $0 | $417 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.79% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES INC. | 29122 RANCHO VIEJO RD #211 SAN JUAN CAPO, CA 92575 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $817 | $0 | $817 | 3.01% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES INC. | 29122 RANCHO VIEJO RD STE 211 SAN JUAN CAPISTRANO, CA 92675 | VISION SERVICE PLAN | $227 | $0 | $227 | 0.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THOMSON REUTERS CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | 230 S LA SALLE ST CHICAGO, IL 60604 | $55K |
| THE NORTHERN TRUST COMPANY TRUSTEE | Other fees; Direct payment from the plan; Investment management; Float revenue; Trustee (bank, trust company, or similar financial institution) Service code 21 | 50 S LASALLE STREET CHICAGO, IL 60603 | $826 |
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). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUECROSS BLUESHIELD HMO ILLINOIS | 8,467 | $69.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,042 | $5.9M |
| Vision(2 contracts) | VISION SERVICE PLAN | 5,412 | $1.1M |
| Life insurance | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 31 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,042 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.