| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET, 11TH FLOOR CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $71K | $4K | $75K | 3.99% |
| DISABILITY RMS5 | 300 SOUTHBOROUGH DRIVE, SUITE 200 SOUTH PORTLAND, ME 04106 | NEW YORK LIFE INSURANCE COMPANY | $0 | $27K | $27K | 14.78% |
| GENE SMITH3 | 2001 BUTTERFIELD ROAD, SUITE 800 DOWNERS GROVE, IL 60515 | NEW YORK LIFE INSURANCE COMPANY | $12K | $0 | $12K | 6.57% |
| JOHN CHRISTOPHER3 | 2001 BUTTERFIELD ROAD, SUITE 800 DOWNERS GROVE, IL 60515 | NEW YORK LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.51% |
| DAVID FARRA3 | 2001 BUTTERFIELD ROAD, SUITE 800 DOWNERS GROVE, IL 60515 | NEW YORK LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.51% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $6K | 6.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $1K | $0 | $1K | 9.99% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 263 | $1.9M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $89K |
| Vision | VISION SERVICE PLAN | 103 | $10K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 183 | $180K |
| Short-term disability | NEW YORK LIFE INSURANCE COMPANY | 183 | $180K |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY | 183 | $180K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 263 | $1.9M |
| Other | NEW YORK LIFE INSURANCE COMPANY | 183 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.