Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 8 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 20,874 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 239 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,113 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 31,598 | $210.3M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 31,598 | $211.0M |
| Vision(2 contracts) | EYEMED VISION CARE | 35,159 | $2.2M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 30,937 | $5.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 8,482 | $5.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 8,482 | $5.1M |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 31,424 | $39.5M |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 31,598 | $215.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 35,159 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Bluecross Blueshield of Illinois | |
Carrier: Hartford Life and Accident | |
Carrier: Securian Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INCLUDED HEALTH, INC EIN 45-3580052 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $6.2M |
| LICENSEES HEALTH CONSULTING EIN 93-3699504 NONE | Other services; Direct payment from the plan Service code 49 | — | $590K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Participant communication; Consulting (general); Insurance brokerage commissions and fees; Direct payment from the plan; Consulting fees; Actuarial; Insurance agents and brokers Service code 11 | — | $425K |
| CAPFINANCIAL PARTNERS LLC EIN 26-0058143 NONE | Consulting fees; Consulting (general); Investment advisory (plan); Direct payment from the plan Service code 16 | — | $105K |
| OWNERS RISK MANAGEMENT ASSOCIATION NONE | Direct payment from the plan; Other services Service code 49 | 221 N LA SALLE DR CHICAGO, IL 60654 | $96K |
| GRANT THORNTON, LLP EIN 36-6055558 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $72K |
| PRICEWATERHOUSECOOPERS, LLP EIN 13-4008324 NONE | Consulting (general); Direct payment from the plan; Consulting fees Service code 16 | — | $53K |
| HELMSBRISCOE RESOURCEONE NONE | Direct payment from the plan; Other services Service code 49 | 20875 N 90TH PL SUITE 210 SCOTTSDALE, AZ 85255 | $53K |
| AON RISK SERVICES EIN 52-0220400 NONE | Direct payment from the plan; Other services Service code 49 | — | $23K |
| U.S. BANK NATIONAL ASSOCIATION EIN 31-0841368 TRUSTEE | Float revenue; Trustee (bank, trust company, or similar financial institution); Investment management; Investment management fees paid indirectly by plan; Direct payment from the plan; Trustee (directed) Service code 21 | — | $21K |
| CC LAW & POLICY PLLC NONE | Legal; Direct payment from the plan Service code 29 | 19670 BEACH ROAD, #552 JUPITER, FL 33469 | $7K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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11 filings · 2015 to 2025