| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 2.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Other fees; Direct payment from the plan; Contract Administrator Service code 13 | — | $651K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Participant communication; Direct payment from the plan; Contract Administrator Service code 13 | — | $550K |
| CAREMARK EIN 05-0340626 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $329K |
| BRYAN CAVE LLP NONE | Legal; Direct payment from the plan Service code 29 | 161 NORTH CLARK STREET, STE 4300 CHICAGO, IL 60601 | $71K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $63K |
| CROWE LLP EIN 35-0921680 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $29K |
| CIGNA HEALTH AND LIFE INS. COMPANY EIN 59-1031071 NONE | Non-monetary compensation; Other services; Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue Service code 12 | — | $23K |
| ANDERSEN TAX NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 71 SOUTH WACKER DR #2600 CHICAGO, IL 60606 | $6K |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $5K |
| JPMORGAN CHASE BANK EIN 13-4994650 TRUSTEE | Direct payment from the plan; Trustee (directed); Investment management fees paid indirectly by plan; Securities brokerage commissions and fees; Float revenue; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $2K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,934 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,934 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PARAMOUNT HEALTHCARE | 15 | $398K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 3,408 | $541K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,408 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.