| 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 | $18K | $206K | 0.11% |
| 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 | $461 | $5K | 0.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $443K | $95K | $538K | 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 | $240K | $20K | $260K | 11.49% |
| 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 | $146K | $25K | $171K | 12.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCER EIN 20-3640590 NONE | Contract Administrator; Consulting fees; Direct payment from the plan; Consulting (general) Service code 13 | — | $2.5M |
| COMPASS EIN 35-2263629 NONE | Consulting fees; Direct payment from the plan; Investment advisory (plan); Consulting (general) Service code 16 | — | $1.1M |
| ACTIVE HEALTH MANAGEMENT EIN 52-2182411 NONE | Direct payment from the plan; Other services Service code 49 | — | $332K |
| TOWERS WATSON DELAWARE, INC EIN 23-1159360 NONE | Consulting (general); Participant communication; Actuarial; Direct payment from the plan Service code 11 | — | $291K |
| MCDONALDS CORPORATION EIN 36-2361282 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $208K |
| ORIGINAL SMITH PRINTING EIN 41-1986764 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $66K |
| ELLWOOD & ASSOCIATES EIN 36-3121777 NONE | Direct payment from the plan; Investment advisory (plan); Consulting fees; Consulting (general) Service code 16 | — | $58K |
| GRANT THORNTON, LLP EIN 36-6055558 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $55K |
| SNR DENTON LLP EIN 36-1796730 NONE | Legal; Direct payment from the plan Service code 29 | — | $36K |
| PRICEWATERHOUSE COOPERS EIN 13-4008324 NONE | Direct payment from the plan; Consulting fees; Accounting (including auditing); Consulting (general) Service code 10 | — | $36K |
| US BANK EIN 31-0841368 PARTY-IN-INTEREST | Direct payment from the plan; Investment management fees paid indirectly by plan; Trustee (bank, trust company, or similar financial institution); Float revenue; Investment management; Trustee (directed) Service code 21 | — | $23K |
| JP MORGAN CHASE BANK, N.A. EIN 13-4994650 PARTY-IN-INTEREST | Trustee (directed); Trustee (bank, trust company, or similar financial institution); Investment management; Direct payment from the plan; Float revenue; Investment management fees paid indirectly by plan Service code 21 | — | $22K |
| J&J PRINTING EIN 48-1003529 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $11K |
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 | 25,080 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 258 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF ILLINOIS | 38,248 | $186.8M |
| Dental(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 38,248 | $187.4M |
| Vision(3 contracts) | EYEMED VISION CARE | 33,168 | $1.7M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 36,393 | $4.2M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,996 | $2.3M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,184 | $1.4M |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 39,625 | $33.1M |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 38,248 | $186.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 39,625 | — |
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.