| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | — | BLUECROSS BLUESHIELD OF ILLINOIS | $40K | $4K | $43K | 2.06% |
| ALLIANT INSURANCE SERVICES, INC.3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $40K | — | $40K | 1.91% |
| DISABILITY RMS3 | 300 SOUTHBOROUGH DRIVE SUITE 200 SOUTH PORTLAND, ME 04106 | NEW YORK LIFE INSURANCE COMPANY | — | $14K | $14K | 14.00% |
| JOHN CHRISTOPHER3 | 2001 BUTTERFIELD ROAD SUITE 800 DOWNERS GROVE, IL 60515 | NEW YORK LIFE INSURANCE COMPANY | $2K | — | $2K | 2.50% |
| DAVID FARRA3 | 2001 BUTTERFIELD ROAD SUITE 800 DOWNERS GROVE, IL 60515 | NEW YORK LIFE INSURANCE COMPANY | $2K | — | $2K | 2.50% |
| GENE SMITH3 | 2001 BUTTERFIELD ROAD SUITE 800 DOWNERS GROVE, IL 60515 | NEW YORK LIFE INSURANCE COMPANY | $747 | — | $747 | 0.76% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1501 REEDSDALE STREET SUITE 3005 PITTSBURGH, PA 15233 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 4.37% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60610 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 1.53% |
| DISABILITY RMS3 | 300 SOUTHBOROUGH DRIVE SUITE 200 SOUTH PORTLAND, ME 04106 | NEW YORK LIFE INSURANCE COMPANY | — | $7K | $7K | 15.00% |
| JOHN CHRISTOPHER3 | 2001 BUTTERFIELD ROAD SUITE 800 DOWNERS GROVE, IL 60515 | NEW YORK LIFE INSURANCE COMPANY | $1K | — | $1K | 2.50% |
| DAVID FARRA3 | 2001 BUTTERFIELD ROAD SUITE 800 DOWNERS GROVE, IL 60515 | NEW YORK LIFE INSURANCE COMPANY | $1K | — | $1K | 2.50% |
| GENE SMITH3 | 2001 BUTTERFIELD ROAD SUITE 800 DOWNERS GROVE, IL 60515 | NEW YORK LIFE INSURANCE COMPANY | $405 | — | $405 | 0.86% |
| DISABILITY RMS3 | 300 SOUTHBOROUGH DRIVE SUITE 200 SOUTH PORTLAND, ME 04106 | NEW YORK LIFE INSURANCE COMPANY | — | $7K | $7K | 16.00% |
| JOHN CHRISTOPHER3 | 2001 BUTTERFIELD ROAD SUITE 800 DOWNERS GROVE, IL 60515 | NEW YORK LIFE INSURANCE COMPANY | $1K | — | $1K | 2.50% |
| DAVID FARRA3 | 2001 BUTTERFIELD ROAD SUITE 800 DOWNERS GROVE, IL 60515 | NEW YORK LIFE INSURANCE COMPANY | $1K | — | $1K | 2.50% |
| GENE SMITH3 | 2001 BUTTERFIELD ROAD SUITE 800 DOWNERS GROVE, IL 60515 | NEW YORK LIFE INSURANCE COMPANY | $431 | — | $431 | 1.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $1K | — | $1K | 10.03% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | 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 | 272 | $2.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 123 | $82K |
| Vision | VISION SERVICE PLAN | 115 | $12K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 200 | $99K |
| Short-term disability | NEW YORK LIFE INSURANCE COMPANY | 182 | $42K |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY | 182 | $47K |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE INSURANCE COMPANY | 200 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.