| 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 | $185K | $47K | $232K | 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 | $7K | $2K | $9K | 0.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $447K | $97K | $544K | 12.78% |
| 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 | $246K | $17K | $263K | 10.60% |
| 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 | $26K | $171K | 11.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 100878852 | MAGELLAN HEALTH SERVICES | $41K | — | $41K | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCER EIN 20-3640590 NONE | Contract Administrator; Consulting (general); Consulting fees; Direct payment from the plan Service code 13 | — | $2.3M |
| COMPASS EIN 35-2263629 NONE | Consulting fees; Consulting (general); Investment advisory (plan); Direct payment from the plan Service code 16 | — | $697K |
| TOWERS WATSON DELAWARE, INC EIN 23-1159360 NONE | Actuarial; Participant communication; Consulting (general); Direct payment from the plan Service code 11 | — | $426K |
| MCDONALDS CORPORATION EIN 36-2361282 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $239K |
| PRICEWATERHOUSE COOPERS EIN 13-4008324 NONE | Consulting (general); Accounting (including auditing); Direct payment from the plan; Consulting fees Service code 10 | — | $154K |
| DOCTOR ON DEMAND, INC. EIN 46-1326978 NONE | Direct payment from the plan; Other services Service code 49 | — | $76K |
| ELLWOOD & ASSOCIATES EIN 36-3121777 NONE | Consulting (general); Consulting fees; Investment advisory (plan); Direct payment from the plan Service code 16 | — | $56K |
| GRANT THORNTON, LLP EIN 36-6055558 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $56K |
| US BANK EIN 31-0841368 PARTY-IN-INTEREST | Investment management fees paid indirectly by plan; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Float revenue; Trustee (directed); Investment management Service code 21 | — | $26K |
| CURTIS 1000 EIN 41-1986764 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $25K |
| J&J PRINTING EIN 48-1003529 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $5K |
| SNR DENTON, LLP EIN 36-1796730 NONE | Legal; Direct payment from the plan Service code 29 | — | $5K |
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 | 23,951 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 321 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF ILLINOIS | 36,082 | $191.6M |
| Dental(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 36,082 | $192.3M |
| Vision(3 contracts) | EYEMED VISION CARE | 33,490 | $2.0M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 34,495 | $4.3M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 7,261 | $2.5M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,469 | $1.5M |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 37,378 | $34.4M |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 36,082 | $188.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37,378 | — |
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.