| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST 32ND FLOOR CHICAGO, IL 60661 | BLUECROSS BLUESHIELD HMO ILLINOIS | — | $32K | $32K | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 200 KELLY RD STE 300 WARRINGTON, PA 18976 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $12K | $12K | 0.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD STE 300 WARRINGTON, PA 189763652 | METROPOLITAN LIFE INSURANCE COMPANY | $106K | $50K | $155K | 2.66% |
| 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 | $52K | — | $52K | 0.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 432123891 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 25909 PALA MISSION VIEJ, CA 92691 | BLUECROSS BLUESHIELD OF ILLINOIS | $198K | $7K | $205K | 6.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 2600 KELLY RD STE 300 WARRINGTON, PA 189763652 | VISION SERVICE PLAN | $121K | — | $121K | 9.94% |
| GREGORY A MCROBERTS3 | 900 E 96TH ST STE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.76% |
| DAVID A PEARRE3 | 101 WAUKEGAN RD STE 990 LAKE BLUFF, IL 600441687 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $845 | — | $845 | 0.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 18201 VON KARMAN AVE STE 200 IRVINE, CA 926121069 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $63 | $10K | 6.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8 | $8 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | VISION SERVICE PLAN | $1K | — | $1K | 4.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE NORTHERN TRUST COMPANY TRUSTEE | Investment management; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Float revenue; Other fees 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 | 24,502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,556 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 26,058 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD HMO ILLINOIS | 9,455 | $93.4M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 15,837 | $6.0M |
| Vision(2 contracts) | VISION SERVICE PLAN | 5,909 | $1.3M |
| Life insurance | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 24 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,837 | — |
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.