| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | BLUECROSS BLUESHIELD OF ILLINOIS | $106K | $5K | $111K | 0.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | $6K | $68K | 10.86% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $3K | $35K | 5.65% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 600694337 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19K | $19K | 2.98% |
| ALIGHT SOLUTIONS5 | 901 MAIN ST STE 5800 DALLAS, TX 752023707 | METROPOLITAN LIFE INSURANCE COMPANY | — | $44 | $44 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $4K | $50K | 12.87% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $2K | $25K | 6.48% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 600694337 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 3.01% |
| ALIGHT SOLUTIONS3 | 901 MAIN ST STE 5800 DALLAS, TX 752023707 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25 | $25 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $2K | $23K | 11.61% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $846 | $11K | 5.76% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 600694337 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 2.98% |
| ALIGHT SOLUTIONS3 | 901 MAIN ST STE 5800 DALLAS, TX 752023707 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13 | $13 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 JACKSON BLVD #14A CHICAGO, IL 60604 | AETNA INTERNATIONAL | $3K | — | $3K | 7.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPARTMENT CHICAGO, IL 60604 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 39-0138065 CLAIMS PROCESSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $1.0M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 5151 PFEIFFER ROAD CINCINNATI, OH 45242 | $782K |
| AETNA LIFE INSURANCE CO EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $598K |
| PRUDENTIAL INSURANCE COMPANY OF AME EIN 22-1211670 NONE | Contract Administrator Service code 13 | — | $361K |
| COMPSYCH NONE | Other services Service code 49 | 455 N CITYFRONT PLAZA DR CHICAGO, IL 60611 | $65K |
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 | 9,863 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 4,313 | $24.7M |
| Dental(9 contracts, 4 carriers) | CARE PLUS DENTAL PLANS, INC. | 439 | $559K |
| Vision(3 contracts, 3 carriers) | EYEMED VISION CARE | 7,486 | $637K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,860 | $817K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,183 | $1.1M |
| Prescription drug | AETNA INTERNATIONAL | 5 | $42K |
| Other(6 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 9,863 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,863 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.