| 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 | RELIASTAR LIFE INSURANCE COMPANY | $915K | — | $915K | 7.04% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 600694337 | RELIASTAR LIFE INSURANCE COMPANY | — | $252K | $252K | 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 | $182K | — | $182K | 1.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON U.S. LLC | P.O. BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN | $122K | — | $122K | 1.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON U.S. LLC | P.O. BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN | $49K | — | $49K | 1.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON U.S. LLC | P.O. BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN | $4K | — | $4K | 0.91% |
| 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 | — | $30K | $30K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $11.8M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $1.3M |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $471K |
| WILLIS TOWERS WATSON U.S. LLC EIN 53-0181291 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $345K |
| ARTEMIS HEALTH NONE | Direct payment from the plan; Contract Administrator Service code 13 | 15 NORTH RIO GRAND STREET SALT LAKE CITY, UT 84101 | $195K |
| INSPIRA NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 10802 FARNAM DRIVE OMAHA, NE 68154 | $112K |
| GROOM LAW GROUP CHARTERED EIN 52-1219029 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $55K |
| BUSINESS HEALTH CARE GROUP OF WI EIN 27-0044470 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $34K |
| HEALTH ADVOCATE SOLUTIONS, INC. EIN 23-3080019 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $21K |
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 | 19,704 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 19,704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN | 29,784 | $18.9M |
| Dental | DELTA DENTAL OF ILLINOIS | 15,633 | $471K |
| Vision | VSP VISION CARE | 13,174 | $2.9M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 30,964 | $13.0M |
| Long-term disability | FIRST RELIANCE STANDARD (MATRIX) | 1,992 | $212K |
| Prescription drug | EXPRESS SCRIPTS | 29,784 | $0 |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 30,964 | $13.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,964 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.