| 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 | $57K | $5K | $62K | 5.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSUR. SERVICES OF CAL. INC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $46K | $46K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $7.3M |
| NATL COUNCIL OF YMCAS OF THE USA EIN 36-3258696 PLAN SPONSOR | Plan Administrator Service code 14 | — | $1.7M |
| BUSINESSOLVER.COM, INC. EIN 42-1503807 NONE | Contract Administrator Service code 13 | — | $451K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Participant communication; Contract Administrator; Claims processing; Other services Service code 12 | — | $200K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Consulting (general) Service code 16 | — | $156K |
| ADP EIN 13-3036745 NONE | Contract Administrator Service code 13 | — | $134K |
| NORTHERN TRUST EIN 36-2723087 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $69K |
| MARQUETTE ASSOCIATES, INC. EIN 36-3485298 NONE | Investment advisory (plan) Service code 27 | — | $42K |
| CONVEY COMPLIANCE SYSTEM EIN 47-1073810 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $32K |
| PALMER PRINTING EIN 36-1595055 NONE | Copying and duplicating Service code 36 | — | $31K |
| GRANT THORNTON LLP EIN 36-6055558 NONE | Accounting (including auditing) Service code 10 | — | $30K |
| BANK OF AMERICA EIN 36-6736628 NONE | Custodial (other than securities) Service code 18 | — | $22K |
| BRAINSHARK EIN 04-3408860 NONE | Other services Service code 49 | — | $21K |
| AON HEWITT EIN 36-2235791 NONE | Other services Service code 49 | — | $15K |
| ROBERT HALF INTERNATIONAL, INC EIN 94-1648752 NONE | Other services Service code 49 | — | $12K |
| TECHNOLOGY ADVISORS EIN 36-3774984 NONE | Other services Service code 49 | — | $11K |
| THE HILTON CHICAGO O'HARE AIRPORT EIN 26-1125227 NONE | Other services Service code 49 | — | $11K |
| DATA YARD EIN 31-1433359 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $11K |
| ALIGHT SOLUTIONS EIN 82-1061233 NONE | Other services Service code 49 | — | $10K |
| UNITED HEALTHCARE SERVICES, INC. | Claims processing; Other services Service code 12 | — | $0 |
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 | 16,166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 472 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 13,878 | $255K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 16,468 | $1.1M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 9,963 | $788K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,965 | $1.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,468 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,468 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.