| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DR STE 1800 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $278K | — | $278K | 2.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $140K | $140K | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $28K | $8K | $36K | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 6701 CENTER DR W STE 1500 LOS ANGELES, CA 900451561 | RELIASTAR LIFE INSURANCE COMPANY | $95K | — | $95K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 233 S. WACKER DR, STE 1800 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $59K | $8K | $67K | 9.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 38 EASTWOOD DRIVE SUITE 300 SOUTH BURLINGTON, VT 05403 | KAISER FOUNDATION HEALTH PLAN, INC. | $25K | — | $25K | 3.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 35371 NETWORK PL CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $52K | — | $52K | 8.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 2 PIERCE PLACE ITASCA, IL 60143 | METLIFE LEGAL PLANS | — | $126 | $126 | 0.02% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH, STE 500 DEERFIELD, IL 600152567 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $69K | $15K | $84K | 24.11% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3K | $3K | 0.86% |
| THE PLEXUS GROUPE LLC3 Filed as: PLEXUS GROUPE LLC THE | 21805 W FIELD PKWY STE 300 DEER PARK, IL 600103231 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 5.19% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY INC | 234 SPRING LAKE DR ITASCA, IL 601433202 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 161 WASHINGTON STREET - SUITE 1200 CONSHOHOCKEN, PA 19428 | TRUSTMARK INSURANCE COMPANY | $50K | — | $50K | 20.09% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH, STE 500 DEERFIELD, IL 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $6K | $33K | 26.08% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 0.86% |
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 | 23,571 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 155 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 803 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,642 | $22.6M |
| Vision | UNIVERSITY HEALTH ALLIANCE | 371 | $1.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 29,617 | $10.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 29,617 | $10.4M |
| Long-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 29,617 | $10.9M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,642 | $14.6M |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 29,617 | $13.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,617 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.