| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON U.S. LLC | 191 NORTH WACKER DRIVE, SUITE 2100 CHICAGO, IL 606061888 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $9K | $9K | 0.02% |
| BMO FINANCIAL CORP.3 | 111 WEST MONROE STREET CHICAGO, IL 606034096 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $93 | $93 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON U.S. LLC | 191 NORTH WACKER DRIVE, SUITE 2100 CHICAGO, IL 606061888 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $49 | $49 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON U.S. LLC | P.O. BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $154K | — | $154K | 2.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON U.S. LLC | 335 MADISON AVENUE, FLOOR 20 NEW YORK, NY 100174633 | RELIASTAR LIFE INSURANCE COMPANY | — | $151K | $151K | 2.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON U.S. LLC | P.O. BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $109K | — | $109K | 1.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC. EIN 41-1289245 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $3.8M |
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $2.8M |
| MEDCO HEALTH SOLUTIONS, INC. EIN 22-3461740 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $517K |
| UMR, INC. EIN 39-1995276 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $453K |
| ACTIVEHEALTH MANAGEMENT, INC. EIN 52-2182411 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $344K |
| THE HARTFORD NONE | Contract Administrator; Direct payment from the plan Service code 13 | ONE HARTFORD PLAZA HARTFORD, CT 06155 | $339K |
| PAYFLEX SYSTEMS USA, INC. NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 10802 FARNAM DRIVE OMAHA, NE 68154 | $332K |
| DELTA DENTAL EIN 36-2612058 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $306K |
| WILLIS TOWERS WATSON U.S. LLC EIN 53-0181291 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $221K |
| THE ROC GROUP EIN 36-4220885 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $47K |
| VEDDER PRICE EIN 36-3254526 NONE | Legal; Direct payment from the plan Service code 29 | — | $42K |
| SAN FRANCISCO HEALTH SECURITY NONE | Contract Administrator; Direct payment from the plan Service code 13 | P.O. BOX 194367 SAN FRANCISCO, CA 941194367 | $27K |
| QUARLES & BRADY, LLP EIN 39-0432630 NONE | Legal; Direct payment from the plan Service code 29 | — | $7K |
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 | 9,063 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,133 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 11,318 | $51.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 23 | $422K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 8,993 | $1.8M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 21,836 | $6.7M |
| Short-term disability | SUN LIFE INSURANCE COMPANY | 6,374 | $760K |
| Prescription drug(2 contracts, 2 carriers) | EXPRESS SCRIPTS | 26,237 | $0 |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 21,836 | $6.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,237 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.