| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | BLUECROSS BLUESHIELD OF ILLINOIS | $187K | $10K | $197K | 0.12% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | BLUECROSS BLUESHIELD OF ILLINOIS | $5K | $298 | $5K | 0.09% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $469K | $101K | $570K | 12.76% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $280K | $9K | $289K | 10.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 500 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $8K | $8K | 0.28% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $162K | $14K | $176K | 10.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $14K | $14K | 0.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCER EIN 13-2834414 NONE | Consulting (general); Direct payment from the plan; Contract Administrator; Consulting fees Service code 13 | — | $2.7M |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Actuarial; Consulting (general); Direct payment from the plan; Participant communication Service code 11 | — | $476K |
| DOCTOR ON DEMAND, INC. EIN 46-1326978 NONE | Direct payment from the plan; Other services Service code 49 | — | $130K |
| ELLWOOD & ASSOCIATES EIN 36-3121777 NONE | Consulting (general); Direct payment from the plan; Consulting fees; Investment advisory (plan) Service code 16 | — | $72K |
| GRANT THORNTON, LLP EIN 36-6055558 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $63K |
| PRICEWATERHOUSE COOPERS EIN 13-4008324 NONE | Direct payment from the plan; Accounting (including auditing); Consulting fees; Consulting (general) Service code 10 | — | $52K |
| CURTIS 1000 EIN 41-1986764 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $49K |
| US BANK EIN 31-0841368 TRUSTEE | Investment management; Direct payment from the plan; Investment management fees paid indirectly by plan; Trustee (directed); Float revenue; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $24K |
| SNR DENTON, LLP EIN 36-1796730 NONE | Legal; Direct payment from the plan Service code 29 | — | $13K |
| AON CONSULTING, INC. EIN 22-2232264 NONE | Consulting (general); Actuarial; Direct payment from the plan; Participant communication Service code 11 | — | $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 | 21,051 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 729 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,780 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF ILLINOIS | 32,907 | $164.9M |
| Dental(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 32,907 | $165.6M |
| Vision(2 contracts) | EYEMED VISION CARE | 34,643 | $1.9M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 32,935 | $4.5M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 7,525 | $2.8M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 6,848 | $1.7M |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 33,010 | $34.2M |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 32,935 | $163.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,643 | — |
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.