| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 SOUTH WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD HMO ILLINOIS | — | $34K | $34K | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DR SUITE 2000 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $14K | $14K | 0.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD STE 300 WARRINGTON, PA 189763652 | METROPOLITAN LIFE INSURANCE COMPANY | $81K | $32 | $81K | 1.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 432123891 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $52K | $52K | 0.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93033 NETWORK PL CHICAGO, IL 606730001 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $28 | $38K | 0.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $0 | $33K | 0.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 93033 NETWORK PL CHICAGO, IL 606730001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $248K | $7K | $255K | 6.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 200 KELLY RD STE 300 WARRINGTON, PA 18976 | VISION SERVICE PLAN | $96K | — | $96K | 8.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93033 NETWORK PLACE CHICAGO, IL 606731930 | VISION SERVICE PLAN | $18K | — | $18K | 1.61% |
| PEARRE DAVID A II3 | 101 WAUKEGAN RD STE 990 LAKE BLUFF, IL 600441687 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $795 | — | $795 | 0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 18201 VON KARMAN AVE STE 200 IRVINE, CA 926121069 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 6.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD FL 11 ROLLING MDWS, IL 600084050 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | VISION SERVICE PLAN | $1K | — | $1K | 4.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLACKROCK CORP EIN 94-6589508 INVESTMENT MANAGER | Direct payment from the plan; Investment management Service code 28 | — | $8K |
| THE NORTHERN TRUST COMPANY TRUSTEE | Float revenue; Trustee (bank, trust company, or similar financial institution); Investment management; Other fees; Direct payment from the plan Service code 21 | 50 S LASALLE STREET CHICAGO, IL 60603 | $0 |
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 | 23,143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,540 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 24,683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD HMO ILLINOIS | 8,887 | $83.3M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,207 | $5.6M |
| Vision(2 contracts) | VISION SERVICE PLAN | 5,596 | $1.2M |
| Life insurance | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 24 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,207 | — |
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.