| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | 233 S. WACKER SUITE 1800 CHICAGO, IL 60606 | HEALTH CARE SERVICE CORPORATION, A MUTUAL LEGAL RESERVE COMPANY | $33K | $11K | $44K | 2.14% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $64 | $50K | 16.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $770K |
| WAGEWORKS, INC. EIN 94-3351864 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $29K |
| GRANT THORNTON LLP EIN 36-6055558 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $27K |
| JPMORGAN CHASE BANK, N.A. EIN 13-4994650 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $5K |
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 | 1,105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 673 | $727K |
| Vision | VISION SERVICE PLAN | 666 | $156K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 874 | $308K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,074 | $868K |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORPORATION, A MUTUAL LEGAL RESERVE COMPANY | 1,992 | $2.1M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,011 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,992 | — |
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.