| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON U.S. LLC | P.O. BOX 28852 NEW YORK, NY 100878852 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $228K | $30K | $258K | 0.22% |
| 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 | $674K | — | $674K | 8.98% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 600694337 | RELIASTAR LIFE INSURANCE COMPANY | — | $174K | $174K | 2.31% |
| 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 | $113K | — | $113K | 1.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON U.S. LLC | P.O. BOX 28852 NEW YORK, NY 100878852 | AETNA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.97% |
| WILLIS TOWERS WATSON US LLC1 Filed as: WILLIS TOWERS WATSON U.S. LLC | P.O. BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN | $61K | — | $61K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $11.3M |
| KAISER FOUNDATION HEALTH PLAN EIN 94-1340523 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $5.8M |
| MEDCO HEALTH SOLUTIONS, INC. EIN 22-3461740 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $1.2M |
| RELIASTAR LIFE INSURANCE COMPANY EIN 41-0451140 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $333K |
| DELTA DENTAL EIN 36-2612058 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $308K |
| WILLIS TOWERS WATSON U.S. LLC EIN 53-0181291 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $290K |
| 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 | $270K |
| THE HARTFORD NONE | Direct payment from the plan; Contract Administrator Service code 13 | ONE HARTFORD PLAZA HARTFORD, CT 06155 | $174K |
| UMR, INC. EIN 39-1995276 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $163K |
| VEDDER PRICE NONE | Contract Administrator; Direct payment from the plan Service code 13 | 222 NORTH LASALLE STREET CHICAGO, IL 60601 | $108K |
| GROOM LAW GROUP CHARTERED EIN 52-1219029 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $88K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $53K |
| BUSINESS HEALTH CARE GROUP OF WI EIN 27-0044470 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $47K |
| HEALTH ADVOCATE SOLUTIONS, INC. EIN 23-3080019 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $31K |
| OPTUM FINANCIAL, INC. EIN 47-0858530 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $20K |
| ARTEMIS HEALTH NONE | Direct payment from the plan; Contract Administrator Service code 13 | 15 NORTH RIO GRAND STREET SALT LAKE CITY, UT 84101 | $19K |
| WORLDWIDE INSURANCE SERVICES, LLC EIN 23-2903313 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $12K |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $9K |
| ALLSUP NONE | Legal; Direct payment from the plan Service code 29 | 300 ALLSUP PLACE BELLEVILLE, IL 62223 | $8K |
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 | 8,967 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,981 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,948 | 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 | 22,203 | $120.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 13 | $138K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 8,691 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 31,795 | $7.5M |
| Short-term disability | SUN LIFE INSURANCE COMPANY | 471 | $9K |
| Prescription drug | EXPRESS SCRIPTS | 23,918 | $0 |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 31,795 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,795 | — |
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.
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.