| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DR CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $27K | $27K | 0.12% |
| HEALTH CARE SERVICES CORPORATION0 Filed as: HEALTH CARE SERVICE CORPORATION | 300 E. RANDOLPH ST CHICAGO, IL 60601 | FOUR EVER LIFE INS CO | — | $48K | $48K | 2.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR CHICAGO, IL 60606 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $133 | — | $133 | 0.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 802707 KANSAS CITY, MO 64180 | ACE AMERICAN INSURANCE COMPANY | — | $3K | $3K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 802707 KANSAS CITY, MO 64180 | ACE AMERICAN INSURANCE COMPANY | — | $361 | $361 | 2.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 8400 NORMANDALE LAKE BLVD STE 1700 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | — | $39 | $39 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE HARTFORD EIN 06-0838648 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | P.O. BOX 2999 HARTFORD, CT 06104 | $72K |
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 THIRD PARTY ADMINISTRATOR | Contract Administrator; Claims processing; Other fees; Direct payment from the plan; Float revenue; Insurance services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $10K |
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 | 3,749 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,773 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 4,156 | $25.3M |
| Dental(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,306 | $1.9M |
| Vision | HM LIFE INSURANCE COMPANY | 4,258 | $270K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,401 | $2.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,401 | $2.8M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 4,156 | $22.9M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 3,474 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,306 | — |
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.