| 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 | — | $15K | $15K | 0.03% |
| 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 | — | $16 | $16 | 0.00% |
| BMO FINANCIAL CORP.3 | 395 EXECUTIVE DRIVE BROOKFIELD, WI 530056067 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $11 | $11 | 0.00% |
| 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 | — | $204K | $204K | 2.68% |
| 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 | $159K | — | $159K | 2.10% |
| 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 | $63K | — | $63K | 0.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $4.0M |
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $3.1M |
| MEDCO HEALTH SOLUTIONS, INC. EIN 22-3461740 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $594K |
| ACTIVEHEALTH MANAGEMENT, INC. EIN 52-2182411 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $336K |
| 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 | $324K |
| WILLIS TOWERS WATSON U.S. LLC EIN 53-0181291 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $260K |
| THE HARTFORD NONE | Contract Administrator; Direct payment from the plan Service code 13 | ONE HARTFORD PLAZA HARTFORD, CT 06155 | $252K |
| DELTA DENTAL EIN 36-2612058 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $237K |
| UMR, INC. EIN 39-1995276 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $236K |
| BUSINESS HEALTH CARE GROUP EIN 27-0044470 NONE | Direct payment from the plan; Other services Service code 49 | — | $46K |
| SAN FRANCISCO HEALTH SECURITY NONE | Direct payment from the plan; Contract Administrator Service code 13 | P.O. BOX 194367 SAN FRANCISCO, CA 941194367 | $25K |
| ALLSUP NONE | Legal; Direct payment from the plan Service code 29 | 300 ALLSUP PLACE BELLEVILLE, IL 62223 | $8K |
| MIDWEST BUSINESS GROUP ON HEALTH NONE | Other services; Direct payment from the plan Service code 49 | 125 SOUTH WACKER DRIVE, SUITE 1350 CHICAGO, IL 60606 | $6K |
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 | 8,412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,204 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,616 | 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 | 11,271 | $51.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 29 | $221K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 8,951 | $1.6M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 22,009 | $7.6M |
| Short-term disability | SUN LIFE INSURANCE COMPANY | 6,812 | $814K |
| Prescription drug | EXPRESS SCRIPTS | 25,845 | $0 |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 22,009 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,845 | — |
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."
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.