| 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 | — | $10K | $10K | 0.02% |
| 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 | — | $237K | $237K | 2.95% |
| 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 | $155K | — | $155K | 1.94% |
| 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 | 0.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $3.8M |
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $3.2M |
| MEDCO HEALTH SOLUTIONS, INC. EIN 22-3461740 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $718K |
| ACTIVEHEALTH MANAGEMENT, INC. EIN 52-2182411 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $322K |
| PAYFLEX SYSTEMS USA, INC. NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 10802 FARNAM DRIVE OMAHA, NE 68154 | $313K |
| DELTA DENTAL EIN 36-2612058 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $276K |
| WILLIS TOWERS WATSON U.S. LLC EIN 53-0181291 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $275K |
| THE HARTFORD NONE | Contract Administrator; Direct payment from the plan Service code 13 | ONE HARTFORD PLAZA HARTFORD, CT 06155 | $221K |
| UMR, INC. EIN 39-1995276 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $195K |
| BUSINESS HEALTH CARE GROUP EIN 27-0044470 NONE | Direct payment from the plan; Other services Service code 49 | — | $83K |
| VEDDER PRICE NONE | Direct payment from the plan; Contract Administrator Service code 13 | 222 NORTH LASALLE STREET CHICAGO, IL 60601 | $39K |
| ALLSUP NONE | Legal; Direct payment from the plan Service code 29 | 300 ALLSUP PLACE BELLEVILLE, IL 62223 | $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 | 9,303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,237 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,540 | 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 | 10,758 | $48.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 27 | $281K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 8,462 | $1.8M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 20,379 | $8.0M |
| Short-term disability | SUN LIFE INSURANCE COMPANY | 6,764 | $828K |
| Prescription drug | EXPRESS SCRIPTS | 24,330 | $0 |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 20,379 | $8.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,330 | — |
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.