| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 200 KELLY RD STE 300 WARRINGTON, PA 18976 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $27K | $27K | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST 32ND FLOOR CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $10K | $10K | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD STE 300 WARRINGTON, PA 189763652 | METROPOLITAN LIFE INSURANCE COMPANY | $135K | $117K | $252K | 3.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 25909 PALA MISSION VIEJ, CA 92691 | BLUECROSS BLUESHIELD OF ILLINOIS | $226K | $7K | $233K | 6.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 2600 KELLY RD STE 300 WARRINGTON, PA 189763652 | VISION SERVICE PLAN | $129K | — | $129K | 9.94% |
| GREGORY A MCROBERTS3 | 900 E 96TH ST STE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.21% |
| DAVID A PEARRE3 | 101 WAUKEGAN RD STE 990 LAKE BLUFF, IL 600441687 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $680 | — | $680 | 0.19% |
| 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 | $54 | $10K | 5.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $23 | $23 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | VISION SERVICE PLAN | $1K | — | $1K | 3.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEX HEALTH INC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 1 HANCOCK STREET PORTLAND, ME 04101 | $73K |
| MITCHELL & TITUS, LLP EIN 13-2781641 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $17K |
| THE NORTHERN TRUST COMPANY TRUSTEE | Direct payment from the plan; Other fees; Float revenue; Investment management; Trustee (bank, trust company, or similar financial institution) 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 | 27,591 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,525 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | BLUECROSS BLUESHIELD OF ILLINOIS | 9,972 | $98.8M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 16,764 | $6.5M |
| Vision(2 contracts) | VISION SERVICE PLAN | 6,499 | $1.3M |
| Life insurance | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 27 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,764 | — |
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.