| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 SOUTH WACKER DR STE 2000 CHICAGO, IL 60606 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $32K | — | $32K | 2.34% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $23K | $3K | $26K | 1.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC | 233 S WACKER DRIVE SUITE 1850 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $4K | — | $4K | 3.94% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $3K | $3K | 2.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR SUITE 1850 CHICAGO, IL 60606 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 5.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 7650 EDINBOROUGH WAY SUITE 100 EDINA, MN 55435 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 2.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH AMERICA INC | 200 COLONIAL CENTER PKWY LAKE MACK, FL 32746 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $779 | — | $779 | 0.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC | 233 S WACKER DRIVE SUITE 1850 CHICAGO, IL 60606 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.95% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 252 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 90 | $108K |
| Life insurance(2 contracts) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 167 | $121K |
| Short-term disability(2 contracts) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 167 | $121K |
| Long-term disability(2 contracts) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 167 | $121K |
| Other(2 contracts) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 167 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.