| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28025 28025 NETWORK PL CHICAGO, IL 606731280 | STANDARD INSURANCE COMPANY | — | $25K | $25K | 1.12% |
| AON CONSULTING INC3 | ATTN DBA AON HEWITT 29840 NETWORK PLACE US CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | $41K | $0 | $41K | 2.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATERS STREET NEW YORK, NY 10038 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATERS STREET NEW YORK, NY 10038 | NATIONAL UNION INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 41-0984460 NONE | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | — | $3.3M |
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 NONE | Other services; Claims processing Service code 12 | — | $1.5M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing Service code 12 | — | $520K |
| DELTA DENTAL EIN 41-1905554 NONE | Claims processing Service code 12 | — | $258K |
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 | 8,593 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 218 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,811 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 195 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 23 | $430K |
| Life insurance(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 9,314 | $2.0M |
| Short-term disability | STANDARD INSURANCE COMPANY | 8,231 | $2.2M |
| Long-term disability | STANDARD INSURANCE COMPANY | 8,231 | $2.2M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 195 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,314 | — |
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.