| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CETERA ADVISOR NETWORKS LLC3 | 200 N SEPULVEDA BLVD STE 1200 EL SEGUNDO, CA 90245 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.81% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 2121 N CALIFORNIA BLVD STE 1000 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $162 | — | $162 | 0.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $62 | $62 | 0.02% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK STREET CHAICAGO, IL 60654 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 2.38% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 13.66% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N CLARK ST. CHICAGO, IL 60654 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 7.90% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE OF AMERICA | $16K | — | $16K | 9.12% |
| VISION SERVICE PLAN5 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | VISION SERVICE PLAN | $0 | $19K | $19K | 21.50% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK STREET STE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $4K | — | $4K | 4.13% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $9K | 10.94% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 11.07% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 N CLARK STREET CHICAGO, IL 60654 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $2K | $6K | 12.29% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $0 | — | $0 | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $0 | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $511K |
| UNUM LIFE INSURANCE CO. OF AMERICA EIN 01-0278678 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 1 FOUNTAIN SQUARE CHATANOOGA, TN 37402 | $25K |
| MESIROW INSURANCE SERVICES INC EIN 36-3429604 BROKER | Other commissions Service code 55 | 353 N CLARK STREET SUITE 1100 CGICAGO, IL 60654 | $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 | 1,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10 | $181K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10 | $181K |
| Vision | VISION SERVICE PLAN | 731 | $89K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 82 | $402K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 369 | $51K |
| Long-term disability | UNUM LIFE INSURANCE OF AMERICA | 130 | $170K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,888 | $1.0M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,328 | $389K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,888 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.