| 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 2000 CHICAGO, IL 60606 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $187K | — | $187K | 3.21% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29K | $29K | 4.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.16% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $28 | $43K | 10.02% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $21K | $21K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $28 | $9K | 19.88% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 4.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $791 | $791 | 1.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DRIVE STE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $36 | $36 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $28 | $8K | 19.89% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 4.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $152 | $152 | 0.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $28 | $7K | 19.27% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 4.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $600 | $600 | 1.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $28 | $7K | 19.55% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 4.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $183 | $183 | 0.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $28 | $5K | 19.94% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 4.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $111 | $111 | 0.49% |
| LIAZON BENEFITS INC3 Filed as: LIAZON | 737 MAIN STREET BUFFALO, NY 14203 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $3K | $5K | 25.20% |
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 | 1,602 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 76 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 935 | $5.8M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,146 | $1.0M |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,146 | $1.0M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,146 | $1.0M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,146 | $1.0M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,146 | $1.0M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 935 | $5.8M |
| Other(8 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,146 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,146 | — |
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.