| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $67K | $67K | 1.54% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4400 BANK ONE CTR 1717 MAIN ST DALLAS, TX 75201 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $22K | $30K | 0.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 SOUTH WACKER DRIVE CHICAGO, IL 60606 | DELTA DENTAL OF ILLINOIS | $11K | — | $11K | 2.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF ILLINOIS | $8K | — | $8K | 2.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC | 233 S WACKER DRIVE, SUITE 2000 CHICAGO, IL 60606 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $14K | $2K | $16K | 11.16% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $37 | $242 | $279 | 0.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC | 233 S WACKER DRIVE, SUITE 2000 CHICAGO, IL 60606 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $8K | $1K | $9K | 12.37% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $47 | $132 | $179 | 0.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS HRH | 233 SOUTH WACKER DRIVE CHICAGO, IL 60606 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 4.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC | 233 SOUTH WACKER DRIVE CHICAGO, IL 60606 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $696 | — | $696 | 1.49% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $338 | — | $338 | 0.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 S WACKER DR, STE 2000 CHICAGO, IL 60606 | HYATT LEGAL PLANS | $266 | — | $266 | 5.46% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | $216 | — | $216 | 4.43% |
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 | 425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 791 | $4.4M |
| Dental | DELTA DENTAL OF ILLINOIS | 356 | $377K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 773 | $47K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 425 | $141K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 425 | $77K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 791 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 791 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.