| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 SOUTH FIGUEROA ST SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $61K | $61K | 2.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 0.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DR SUITE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106K | — | $106K | 17.12% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $5K | $5K | 0.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DR SUITE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $104K | — | $104K | 22.86% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $5K | $5K | 1.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DR STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53K | — | $53K | 12.60% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $2K | $2K | 0.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 1.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DR STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46K | — | $46K | 16.43% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $2K | $2K | 0.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 500 N AKARD STREET STE 4300 DALLAS, TX 75201 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 2.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 35371 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 10.10% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $598 | $625 | $1K | 2.68% |
| JOHN GEOLAS3 Filed as: JOHN CUNNINGHAM | 1900 WEST 63RD ST MISSION HILLS, KS 66208 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $288 | — | $288 | 0.63% |
| INSURANCE DESIGN GROUP INC3 | 7611 STATE LINE RD #250 KANSAS CITY, MO 64114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.22% |
| PANTALONE, JO, ANN3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.21% |
| FALCO BERNIE3 Filed as: FALCO, ERNEST | 350 CROWN OAK CENTRE DR LONGWOOD, FL 32750 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.07% |
| CUSTON BENEFIT PROGRAMS3 Filed as: CUSTON BENEFITS PROGRAMS INC | PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DRIVE STE 2000 WILLIS TOWER CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $104 | $104 | 0.89% |
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 | 19,698 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 177 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 315 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 851 | $8.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ILLINOIS | 12,905 | $7.3M |
| Vision | VISION SERVICE PLAN | 10,472 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 19,004 | $3.0M |
| Short-term disability(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,964 | $148K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 13,149 | $1.7M |
| Other(9 contracts, 6 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 18,750 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,004 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.