| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NA | $8K | — | $8K | 5.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 35371 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NA | $7K | — | $7K | 4.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR #2000 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NA | — | $1K | $1K | 0.66% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | DELTA DENTAL OF ILLINOIS | $31K | — | $31K | 29.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 1001 LAKESIDE AVE SUITE 1500 CLEVELAND, OH 44114 | DELTA DENTAL OF ILLINOIS | $29K | — | $29K | 27.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 35371 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 7.63% |
| AP BENEFIT ADVIOSRS LLC3 | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 7.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $582 | $582 | 0.73% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | VISION SERVICE PLAN | $2K | — | $2K | 2.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 35371 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $1K | — | $1K | 1.84% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 35371 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $147 | $147 | 0.59% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDEDFORD RD STE 200 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 35371 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $123 | $123 | 0.66% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 100.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 35371 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 73.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.73% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $665 | — | $665 | 10.00% |
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 | 1,156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,824 | $8.5M |
| Dental | DELTA DENTAL OF ILLINOIS | 862 | $104K |
| Vision | VISION SERVICE PLAN | 743 | $78K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,156 | $80K |
| Long-term disability | LIFE INSURANCE COMPANY OF NA | 1,156 | $155K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,156 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,824 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.