| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | 233 S. WACKER DRIVE CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $150K | $11K | $161K | 2.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $8K | $17K | 3.54% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 1.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK EMPLOYEE BENEFIT | 1 WORLD FINANCIAL CENTER 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $4K | $9K | 2.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $1K | — | $1K | 0.43% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $998 | $998 | 0.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK EMPLOYEE BENEFIT | 1 WORLD FINANCIAL CENTER 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $9K | $2K | $11K | 6.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | $316 | $3K | 1.54% |
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 | 759 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 774 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,444 | $7.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 648 | $477K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,178 | $63K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 747 | $318K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 747 | $182K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 747 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,444 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.