| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | — | $5K | $5K | 0.44% |
| VINCENT PASSANANTI3 | 10 DORRANCE ST SUITE 524 PROVIDENCE, RI 029032018 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | — | $36K | 3.87% |
| GBS INS AND FINANCIAL SERVICES INC3 | 5090 N 40TH ST SUITE 180 PHOENIX, AZ 850189177 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 2.08% |
| GBS INS AND FINANCIAL SERVICES INC3 | 21820 BURBANK BLVD SUITE 301 WOODLAND HILLS, CA 913677404 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3 | $3 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $31 | $37K | 15.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GRANT THORNTON LLP EIN 36-6055558 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $28K |
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 | 1,078 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 93 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 879 | $809K |
| Vision | VISION SERVICE PLAN | 650 | $156K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 826 | $1.2M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,065 | $646K |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORPORATION, A MUTUAL LEGAL RESERVE COMPANY | 2,122 | $1.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 826 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,122 | — |
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.