Form 5500 · Employee benefit plan · CHICAGO, IL
BMO FINANCIAL CORP
BMO FINANCIAL CORP of CHICAGO, IL spreads its employee benefits across 10 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is WILLIS TOWERS WATSON US LLC. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 9 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 51-0275712 · plan 506 · as of Aug 2026
Plan brief
Schedule A lists 14 insured contracts covering health, dental, life, disability and stop-loss; the largest, with KAISER FOUNDATION HEALTH PLAN, INC., covers 1,617 people.
The medical plan carries stop-loss coverage, which usually signals a self-funded health plan with insured protection against large claims.
Reported premium across the insured contracts is $25,537,249, with $434,678 in disclosed broker commissions — about 1.7% of premium.
The most recent policy period ended in August, and the plan year ends August 31. Group contracts typically renew on that annual cycle.
WILLIS TOWERS WATSON US LLC is the broker of record on 11 of the 14 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIASTAR LIFE INSURANCE COMPANY | Stop-loss | 4,746 | August | $2,977,733 | $178,664 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 1,617 | August | $9,888,719 | $90,195 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 3,348 | August | $502,471 | $81,191 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 879 | August | $4,554,347 | $40,695 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 2,749 | August | $232,468 | $37,679 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 79 | August | $342,432 | $3,086 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 372 | August | $1,774,989 | $1,961 |
| DELTA DENTAL OF CALIFORNIA | Dental | 739 | August | $76,074 | $761 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | Dental | 177 | August | $44,683 | $446 |
| NATIONWIDE LIFE INSURANCE COMPANY | — | 10,532 | August | $4,461 | $0 |
| METLIFE LEGAL PLANS, INC. | — | 0 | August | $212,344 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 8,989 | August | $2,419,833 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 14,641 | August | $2,351,680 | $0 |
| ARMADACARE | Health | 12 | August | $155,015 | $0 |
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