| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET, SUITE 1100 CHICAGO, IL 60654 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $194K | $0 | $194K | 1.50% |
| MESIROW INSURANCE SERVICES INC3 | UNKNOWN CHICAGO, IL 60605 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $4K | $4K | 0.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET, SUITE 1100 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $66K | $0 | $66K | 10.43% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $5K | $17K | 2.65% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $8K | $8K | 1.27% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET, SUITE 1100 CHICAGO, IL 60654 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | — | $33K | 8.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $11K | — | $11K | 10.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET, SUITE 1100 CHICAGO, IL 60654 | DELAWARE AMERICAN LIFE INSURANCE OF AMERICA | $1K | $0 | $1K | 8.06% |
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 | 719 | 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) | 719 | 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 | 1,765 | $13.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 44 | $405K |
| Vision | VISION SERVICE PLAN | 655 | $110K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 590 | $644K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 590 | $644K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,765 | $13.4M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 590 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,765 | — |
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.