| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC3 Filed as: ALLIED BENEFIT SYSTEMS INC | 200 W ADAMS ST #500 CHICAGO, IL 60606 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.01% |
| DEPLOYANT ADVISORS3 | PO BOX 64425 CHICAGO, IL 60664 | VISION SERVICE PLAN | $506 | — | $506 | 4.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERSIDE HEALTH EIN 45-3449075 NONE | Direct payment from the plan; Other services Service code 49 | — | $299K |
| ALLIED BENEFIT SYSTEMS INC EIN 36-3086057 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $206K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Direct payment from the plan; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $37K |
| MELODY KALUZA EIN 32-0047529 EMPLOYEE | Employee (plan) Service code 30 | — | $36K |
| LABOR FIRST LLC EIN 06-1750191 NONE | Direct payment from the plan; Other services Service code 49 | — | $34K |
| KAYLA PAGE EIN 32-0047529 EMPLOYEE | Employee (plan) Service code 30 | — | $32K |
| ANTHEM INSURANCE COMPANIES, INC EIN 35-0781558 NONE | Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $28K |
| JOHNSON & KROL, LLC EIN 36-4342024 NONE | Legal; Direct payment from the plan Service code 29 | — | $20K |
| CHEIRON INC EIN 13-4215617 NONE | Actuarial Service code 11 | — | $20K |
| SOLXSYS ADMIN. SOLUTIONS, LLC EIN 83-2454243 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $14K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $9K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Other insurance fees and expenses; Soft dollars commissions Service code 68 | — | $0 |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 108 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 319 | $11K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 342 | $28K |
| Prescription drug(4 contracts) | HUMANA INSURANCE COMPANY | 90 | $338K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 295 | $506K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 342 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.