| 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 | $186K | $29K | $215K | 0.12% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | BLUECROSS BLUESHIELD OF ILLINOIS | $6K | $903 | $7K | 0.12% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $479K | $103K | $582K | 12.76% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $347K | $15K | $362K | 10.43% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $186K | $28K | $214K | 11.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INCLUDED HEALTH, INC EIN 45-3580052 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $8.1M |
| MERCER HEALTH & BENEFITS ADMIN LLC EIN 20-3640590 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Participant communication Service code 15 | — | $3.2M |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Participant communication; Consulting (general); Actuarial; Consulting fees; Insurance brokerage commissions and fees; Direct payment from the plan Service code 11 | — | $358K |
| MCDONALD'S CORPORATION EIN 36-2361282 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $138K |
| CAP FINANCIAL PARTNERS LLC EIN 26-0058143 NONE | Consulting fees; Direct payment from the plan; Consulting (general); Investment advisory (plan) Service code 16 | — | $93K |
| GRANT THORNTON, LLP EIN 36-6055558 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $90K |
| PRICEWATERHOUSE COOPERS, LLP EIN 13-4008324 NONE | Direct payment from the plan; Consulting fees; Consulting (general); Accounting (including auditing) Service code 10 | — | $53K |
| HELMSBRISCOE RESOURCEONE NONE | Other services; Direct payment from the plan Service code 49 | 20875 N 90TH PL SUITE 210 SCOTTSDALE, AZ 85255 | $33K |
| OWNERS RISK MANAGEMENT ASSOCIATION NONE | Other services; Direct payment from the plan Service code 49 | 221 N LA SALLE DR CHICAGO, IL 60654 | $26K |
| U.S. BANK NATIONAL ASSOCIATION EIN 31-0841368 TRUSTEE | Direct payment from the plan; Investment management fees paid indirectly by plan; Trustee (directed); Investment management; Trustee (bank, trust company, or similar financial institution); Float revenue Service code 21 | — | $24K |
| MIAMI BEACH EDITION NONE | Other services; Direct payment from the plan Service code 49 | 2901 COLLINS AVE MIAMI BEACH, FL 33140 | $22K |
| SNR DENTON, LLP EIN 36-1796730 NONE | Legal; Direct payment from the plan Service code 29 | — | $16K |
| CC LAW & POLICY PPLC NONE | Legal; Direct payment from the plan Service code 29 | 19670 BEACH ROAD, #552 JUPITER, FL 33469 | $7K |
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 | 19,915 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 279 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF ILLINOIS | 30,192 | $183.5M |
| Dental(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 30,192 | $184.2M |
| Vision(2 contracts) | EYEMED VISION CARE | 33,915 | $2.0M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 29,560 | $4.6M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,733 | $3.5M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,975 | $1.9M |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 30,641 | $40.0M |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 30,192 | $182.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,915 | — |
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.