| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 233 S WACKER DR CHICAGO, IL 60606 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $26K | $26K | 0.09% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE INC | COMMISION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | — | $40K | $40K | 2.27% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | MONUMENTAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.16% |
No Schedule C service providers reported on this filing.
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 | 4,142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 4,204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 6,179 | $27.3M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,268 | $2.8M |
| Vision | HM LIFE INSURANCE COMPANY | 5,540 | $296K |
| Life insurance | AETNA LIFE INSURANCE CO. | 3,481 | $1.8M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 3,481 | $1.8M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 6,179 | $27.2M |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 4,676 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,268 | — |
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.