| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 100878852 | BLUECROSS BLUESHIELD OF ILLINOIS | $187K | $29K | $217K | 0.14% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $438K | — | $438K | 10.50% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 100878852 | BLUECROSS BLUESHIELD OF ILLINOIS | $5K | $723 | $5K | 0.14% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 741909 LOCKBOX #741909 ATLANTA, GA 303741909 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $260K | $36K | $295K | 10.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCER EIN 13-2834414 NONE | Consulting fees; Contract Administrator; Direct payment from the plan; Consulting (general) Service code 13 | — | $3.4M |
| INTELISPEND PREPAID SOLUTIONS EIN 91-2198647 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $1.2M |
| TOWERS WATSON DELAWARE, INC EIN 23-1159360 NONE | Consulting (general); Participant communication; Actuarial; Direct payment from the plan Service code 11 | — | $748K |
| ACTIVE HEALTH MANAGEMENT EIN 52-2182411 NONE | Direct payment from the plan; Other services Service code 49 | — | $372K |
| MCDONALDS CORPORATION EIN 36-2361282 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $284K |
| ELLWOOD & ASSOCIATES EIN 36-3121777 NONE | Investment advisory (plan); Direct payment from the plan; Consulting (general); Consulting fees Service code 16 | — | $75K |
| GRANT THORNTON, LLP EIN 36-6055558 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $56K |
| PRICEWATERHOUSE COOPERS EIN 13-4008324 NONE | Consulting fees; Accounting (including auditing); Consulting (general); Direct payment from the plan Service code 10 | — | $50K |
| ORIGINAL SMITH PRINTING EIN 41-1986764 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $41K |
| JP MORGAN CHASE BANK, N.A. EIN 13-4994650 NONE | Trustee (bank, trust company, or similar financial institution); Trustee (directed); Float revenue; Direct payment from the plan; Investment management; Investment management fees paid indirectly by plan Service code 21 | — | $39K |
| SNR DENTON LLP EIN 36-1796730 NONE | Legal; Direct payment from the plan Service code 29 | — | $30K |
| J&J PRINTING EIN 48-1003529 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $6K |
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 | 27,599 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 183 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 27,782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF ILLINOIS | 35,336 | $161.4M |
| Dental(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 35,336 | $162.0M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION | 29,171 | $1.4M |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 38,063 | $4.2M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,557 | $2.9M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,557 | $2.9M |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 35,983 | $33.9M |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 38,063 | $161.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,063 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.