| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $109K | — | $109K | 3.83% |
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | — | $4K | $4K | 0.14% |
| AMERICAN VETERINARY MEDICAL ASSOCIA3 | 1931 MEACHAM ROAD SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 450 COUNTRY CLUB ROAD SUITE 330 EUGENE, OR 97401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 4.98% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2415 EAST CAMELBACK ROAD SUITE 950 PHOENIX, AZ 85016 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $788 | $788 | 0.73% |
| DISABILITY RMS3 | PO BOX 9757 PORTLAND, ME 04104 | 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 | $3 | — | $3 | 0.00% |
| DISABILITY RMS3 | PO BOX 9757 PORTLAND, ME 04104 | 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 | 2.51% |
| DAVID FARRA3 | 2001 BUTTERFIELD ROAD SUITE 800 DOWNERS GROVE, IL 60515 | NEW YORK LIFE INSURANCE COMPANY | $1K | — | $1K | 2.51% |
| DISABILITY RMS3 | PO BOX 9757 SUITE 800 PORTLAND, ME 04104 | 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% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $2K | — | $2K | 9.97% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 309 | $2.8M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 127 | $107K |
| Vision | VISION SERVICE PLAN | 131 | $16K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 217 | $99K |
| Short-term disability | NEW YORK LIFE INSURANCE COMPANY | 190 | $42K |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY | 190 | $50K |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE INSURANCE COMPANY | 217 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.