| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VINCENT PASSANANTI3 | 10 DORRANCE ST, STE 524 PROVIDENCE, RI 02903 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | — | $32K | 3.89% |
| GBS INS AND FINANCIAL SERVICES INC3 | 5080 N 40TH ST, STE 235 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 2.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 11219 FINANCIAL CENTRE PARKWAY SUITES 311 LITTLE ROCK, AR 72211 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 233 S. WACKER, SUITE 1800 CHICAGO, IL 60606 | HEALTH CARE SERVICE CORPORATION, A MUTUAL LEGAL RESERVE COMPANY | — | $7K | $7K | 0.90% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $30K | — | $30K | 4.58% |
| AON CONSULTING INC3 | 5 TRIAD CTR SUITE 525 SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 0.79% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 0.42% |
| GAIL STEINGOLD3 | 1648 N. BURLING, UNIT C CHICAGO, IL 60614 | JOHN HANCOCK LIFE INSURANCE COMPANY USA | $17K | — | $17K | 6.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $2K | $41K | 20.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $707K |
| GRANT THORNTON LLP EIN 36-6055558 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $26K |
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 | 1,176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 822 | $665K |
| Vision | VISION SERVICE PLAN INSURANCE COMPANY | 621 | $125K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 913 | $1.0M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,131 | $656K |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORPORATION, A MUTUAL LEGAL RESERVE COMPANY | 2,097 | $810K |
| Other(3 contracts, 3 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY USA | 913 | $452K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,097 | — |
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.