| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $56K | $5K | $61K | 5.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 NONE | Claims processing; Other services Service code 12 | — | $6.7M |
| NATL COUNCIL OF YMCAS OF THE USA EIN 36-3258696 PLAN SPONSOR | Plan Administrator Service code 14 | — | $1.6M |
| ADP EIN 13-3036745 NONE | Contract Administrator Service code 13 | — | $481K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Participant communication; Other services; Claims processing; Contract Administrator Service code 12 | — | $192K |
| BUSINESSOLVER.COM, INC. EIN 42-1503807 NONE | Contract Administrator Service code 13 | — | $76K |
| NORTHERN TRUST EIN 36-2723087 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $64K |
| GRUPPO MARCUCCI EIN 27-2955023 NONE | Consulting (general) Service code 16 | — | $45K |
| MARQUETTE ASSOCIATES, INC. EIN 36-3485298 NONE | Investment advisory (plan) Service code 27 | — | $42K |
| PALMER PRINTING EIN 36-1595055 NONE | Copying and duplicating Service code 36 | — | $34K |
| CONVEY COMPLIANCE SYSTEM EIN 47-1073810 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $29K |
| AON HEWITT EIN 22-2232264 NONE | Other services Service code 49 | — | $27K |
| BANK OF AMERICA EIN 36-6736628 NONE | Custodial (other than securities) Service code 18 | — | $21K |
| GRANT THORNTON LLP EIN 36-6055558 NONE | Accounting (including auditing) Service code 10 | — | $21K |
| MCDERMOTT WILL AND EMERY LLP EIN 36-1453176 NONE | Legal Service code 29 | — | $13K |
| BRAINSHARK EIN 04-3408860 NONE | Other services Service code 49 | — | $10K |
| THE HILTON CHICAGO O'HARE AIRPORT EIN 26-1125227 NONE | Other services Service code 49 | — | $10K |
| DATA YARD EIN 31-1433359 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $10K |
| TECHNOLOGY ADVISORS EIN 36-3774984 NONE | Other services Service code 49 | — | $9K |
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 | 15,677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 457 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 13,318 | $212K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 16,100 | $1.1M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 9,758 | $625K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,630 | $1.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,100 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,100 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.