| 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 STE 1800 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $130K | — | $130K | 3.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 801 S FIGUEROA STREET LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $48K | $48K | 1.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $30K | $30K | 1.13% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $192K | — | $192K | 20.00% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY LLC | 4 OVERLOOK PT LINCOLNSHIRE, IL 60069 | RELIASTAR LIFE INSURANCE COMPANY | — | $38K | $38K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $25K | — | $25K | 2.60% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $27K | — | $27K | 13.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $130 | $130 | 0.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Contract Administrator; Claims processing Service code 12 | 300 EAST RANDOLPH STREET CHICAGO, IL 60601 | $4.5M |
| ALIGHT SOLUTIONS LLC EIN 82-1061233 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | $2.2M |
| INCLUDED HEALTH EIN 45-3580052 NONE | Other services Service code 49 | 1 CALIFORNIA STREET SUITE 2300 SAN FRANCISCO, CA 94111 | $1.0M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing; Contract Administrator Service code 12 | ONE EXPRESS WAY SAINT LOUIS, MO 63121 | $963K |
| WILLIS TOWERS WATSON EIN 23-1159360 NONE | Actuarial; Consulting (general); Consulting fees Service code 11 | 901 NORTH GLEBE ROAD ARLINGTON, VA 22203 | $251K |
| THE JELLYVISION LAB, INC EIN 36-4442819 NONE | Participant communication Service code 38 | 848 W. EASTMAN ST SUITE 104 CHICAGO, IL 60642 | $203K |
| ACCESSHOPE, LLC EIN 84-2818450 NONE | Other services Service code 49 | 1500 EAST DUARTE ROAD DUARTE, CA 91010 | $73K |
| INSPIRA FINANCIAL HEALTH, INC EIN 91-1774434 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | PO BOX 2239 OMAHA, NE 68103 | $62K |
| EXCELA ENTERPRISE SOLUTIONS, INC EIN 13-3587073 NONE | Other services Service code 49 | 300 STAMFORD PLACE #2 STAMFORD, CT 06902 | $6K |
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 | 51,933 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 262 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 52,195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SEE ATTACHED | 0 | $6.7M |
| Dental | SEE ATTACHED | 0 | $6.7M |
| Vision | SEE ATTACHED | 0 | $6.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 8,219 | $3.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,180 | $2.6M |
| Prescription drug | SEE ATTACHED | 0 | $6.7M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 51,933 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 51,933 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.