| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W. MADISON STREET, 32ND FLOOR CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $28K | $28K | 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 | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD STE 300 WARRINGTON, PA 189763652 | METROPOLITAN LIFE INSURANCE COMPANY | $128K | $60 | $128K | 1.81% |
| 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 | $56K | — | $56K | 0.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 25909 PALA MISSION VIEJO, CA 92691 | BLUECROSS BLUESHIELD OF ILLINOIS | $229K | $8K | $237K | 5.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 2600 KELLY RD STE 300 WARRINGTON, PA 189763652 | VISION SERVICE PLAN | $136K | — | $136K | 9.97% |
| GREGORY A MCROBERTS3 | 900 E 96TH ST STE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.90% |
| DAVID A PEARRE3 | 101 WAUKEGAN RD STE 990 LAKE BLUFF, IL 600441687 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $513 | — | $513 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 18201 VON KARMAN AVE STE 200 IRVINE, CA 926121069 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $107 | $13K | 7.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606907219 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $18 | $18 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | VISION SERVICE PLAN | $1K | — | $1K | 3.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LINKEDIN CORPORATION NONE | Contract Administrator; Direct payment from the plan Service code 13 | COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | $55K |
| WEX HEALTH INC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 1 HANCOCK STREET PORTLAND, ME 04101 | $18K |
| MITCHELL & TITUS, LLP EIN 13-2781641 NONE | Accounting (including auditing); Direct payment from the plan 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 | 28,053 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,607 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | BLUECROSS BLUESHIELD OF ILLINOIS | 10,352 | $105.3M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 17,063 | $7.2M |
| Vision(2 contracts) | VISION SERVICE PLAN | 6,675 | $1.4M |
| Life insurance | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 23 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,063 | — |
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.