| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $107K | $4K | $111K | 2.32% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 1050 WILSHIRE DRIVE SUITE 210 TROY, MI 48084 | BLUECROSS BLUESHIELD OF ILLINOIS | $37K | $6 | $37K | 0.76% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | MIDWEST REGION 701 B STREET SAN DIEGO, CA 92101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET SAN DIEGO, CA 92101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.96% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 353 N. CLARK STREET CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $9K | $16K | 5.56% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 353 N CLARK ST CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 15.11% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVE #1500 SEATTLE, WA 98101 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 2.38% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $2K | — | $2K | 5.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET SAN DIEGO, CA 92101 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $1K | — | $1K | 3.32% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET # 400 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $1K | — | $1K | 2.51% |
No Schedule C service providers reported on this filing.
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 | 685 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 521 | $4.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 436 | $284K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 681 | $41K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 770 | $286K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 770 | $286K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 770 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 770 | — |
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."
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.