| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | BLUECROSS BLUESHIELD OF ILLINOIS | $192K | $30K | $222K | 0.11% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $506K | $109K | $614K | 12.76% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $431K | $79K | $509K | 12.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| APTIA INSURANCE SERVICES GROUP, LLC EIN 93-1669497 NONE | Direct payment from the plan; Participant communication; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $3.6M |
| INCLUDED HEALTH, INC EIN 45-3580052 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $3.2M |
| LICENSEES HEALTH CONSULTING EIN 93-3699504 NONE | Other services; Direct payment from the plan Service code 49 | — | $608K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Participant communication; Actuarial; Insurance brokerage commissions and fees; Consulting (general); Consulting fees; Direct payment from the plan; Insurance agents and brokers Service code 11 | — | $370K |
| CAPFINANCIAL PARTNERS LLC EIN 26-0058143 NONE | Consulting (general); Investment advisory (plan); Direct payment from the plan; Consulting fees Service code 16 | — | $104K |
| GRANT THORNTON, LLP EIN 36-6055558 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $88K |
| MCDONALD'S CORPORATION EIN 36-2361282 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $71K |
| PRICEWATERHOUSECOOPERS, LLP EIN 13-4008324 NONE | Consulting (general); Accounting (including auditing); Direct payment from the plan; Consulting fees Service code 10 | — | $53K |
| HELMSBRISCOE RESOURCEONE NONE | Direct payment from the plan; Other services Service code 49 | 20875 N 90TH PL SUITE 210 SCOTTSDALE, AZ 85255 | $50K |
| IMPRINT EVENTS GROUP NONE | Direct payment from the plan; Other services Service code 49 | 4100 W 38TH AVE SUITE 201 DENVER, CO 80212 | $43K |
| AON RISK SERVICES EIN 52-0220400 NONE | Other services; Direct payment from the plan Service code 49 | — | $28K |
| U.S. BANK NATIONAL ASSOCIATION EIN 31-0841368 TRUSTEE | Trustee (directed); Float revenue; Investment management fees paid indirectly by plan; Investment management; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $18K |
| CC LAW & POLICY PLLC NONE | Legal; Direct payment from the plan Service code 29 | 19670 BEACH ROAD, #552 JUPITER, FL 33469 | $14K |
| OWNERS RISK MANAGEMENT ASSOCIATION NONE | Other services; Direct payment from the plan Service code 49 | 221 N LA SALLE DR CHICAGO, IL 60654 | $10K |
| DENTONS EIN 36-1796730 NONE | Legal; Direct payment from the plan Service code 29 | — | $10K |
| KOKUA DESTINATION SERVICES NONE | Other services; Direct payment from the plan Service code 49 | 361 EHILANI ST MAKAWAO, HI 96768 | $8K |
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 | 20,809 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 272 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,081 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 31,791 | $203.1M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 31,791 | $203.8M |
| Vision(2 contracts) | EYEMED VISION CARE | 34,895 | $2.5M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 28,856 | $4.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 8,000 | $3.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 8,000 | $3.9M |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 31,739 | $36.2M |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 31,791 | $208.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,895 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.