| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 100878852 | BLUECROSS BLUESHIELD OF ILLINOIS | $187K | $25K | $212K | 0.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 100878852 | BLUECROSS BLUESHIELD OF ILLINOIS | $5K | $714 | $5K | 0.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $412K | $88K | $501K | 12.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 100878852 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $177K | $20K | $197K | 10.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 100878852 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $113K | $27K | $140K | 10.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCER EIN 20-3640590 NONE | Consulting fees; Consulting (general); Contract Administrator; Direct payment from the plan Service code 13 | — | $8.9M |
| ACTIVE HEALTH MANAGEMENT EIN 52-2182411 NONE | Other services; Direct payment from the plan Service code 49 | — | $392K |
| TOWERS WATSON DELAWARE, INC EIN 23-1159360 NONE | Actuarial; Direct payment from the plan; Participant communication; Consulting (general) Service code 11 | — | $363K |
| MCDONALDS CORPORATION EIN 36-2361282 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $215K |
| INTELISPEND PREPAID SOLUTIONS EIN 91-2198647 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $164K |
| SILICON VALLEY BANK NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | 230 W. MONROE ST CHICAGO, IL 60606 | $96K |
| COMPASS NONE | Direct payment from the plan; Investment advisory (plan); Consulting (general); Consulting fees Service code 16 | 825 THIRD AVENUE, 32ND FLOOR NEW YORK, NY 10022 | $84K |
| ELLWOOD & ASSOCIATES EIN 36-3121777 NONE | Consulting (general); Consulting fees; Investment advisory (plan); Direct payment from the plan Service code 16 | — | $82K |
| GRANT THORNTON, LLP EIN 36-6055558 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $58K |
| PRICEWATERHOUSE COOPERS EIN 13-4008324 NONE | Direct payment from the plan; Accounting (including auditing); Consulting (general); Consulting fees Service code 10 | — | $52K |
| JP MORGAN CHASE BANK, N.A. EIN 13-4994650 PARTY-IN-INTEREST | Investment management fees paid indirectly by plan; Direct payment from the plan; Float revenue; Trustee (directed); Investment management; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $50K |
| ORIGINAL SMITH PRINTING EIN 41-1986764 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $45K |
| J&J PRINTING EIN 48-1003529 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $20K |
| SNR DENTON LLP EIN 36-1796730 NONE | Legal; Direct payment from the plan Service code 29 | — | $14K |
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 | 28,025 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 249 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF ILLINOIS | 37,620 | $167.9M |
| Dental(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 37,620 | $168.6M |
| Vision(2 contracts) | EYEMED VISION CARE | 31,324 | $1.6M |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 40,982 | $3.9M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,306 | $2.0M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,671 | $1.3M |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 38,480 | $34.8M |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 40,982 | $167.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40,982 | — |
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.