| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $502K | — | $502K | 18.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $39K | $39K | 1.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 1850 WILLIS TOWER CHICAGO, IL 60606 | DEARBORN LIFE INSURANCE COMPANY | $25K | $86K | $110K | 4.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DR SUITE 2000 CHICAGO, IL 60606 | NGL | $40K | — | $40K | 10.00% |
No Schedule C service providers reported on this filing.
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 | 8,304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 331 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,245 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,880 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 88 | $793K |
| Vision | NGL | 11,155 | $404K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 8,199 | $2.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,941 | $2.7M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 8,304 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,155 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.