| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES | 1400 OPUS PLACE STE 830 DOWNERS GROVE, IL 60515 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $2K | $2K | 0.14% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES | 1400 OPUS PLACE STE 830 DOWNERS GROVE, IL 60515 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 10.01% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES | 1400 OPUS PLACE STE 830 DOWNERS GROVE, IL 60515 | MUTUAL OF OMAHA | $5K | — | $5K | 10.00% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES | 1400 OPUS PLACE STE 830 DOWNERS GROVE, IL 60515 | MUTUAL OF OMAHA | $3K | — | $3K | 10.00% |
| GROUP ALTERNATIVES INC3 | 1400 OPUS PLACE STE 830 DOWNERS GROVE, IL 60515 | MUTUAL OF OMAHA | $2K | — | $2K | 10.00% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES, INC. | 1400 OPUS PLACE STE 830 DOWNERS GROVE, IL 60515 | VSP | $1K | $130 | $2K | 10.00% |
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 | 371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 371 | $1.6M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 200 | $96K |
| Vision | VSP | 154 | $16K |
| Life insurance(2 contracts) | MUTUAL OF OMAHA | 450 | $41K |
| Short-term disability | MUTUAL OF OMAHA | 149 | $54K |
| Long-term disability | MUTUAL OF OMAHA | 94 | $19K |
| Other(2 contracts) | MUTUAL OF OMAHA | 450 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.