| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW | 353 N CLARK CHICAGO, IL 60654 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $7K | $7K | 0.15% |
| THE EMPLOYERS BENEFIT GROUP, LLC3 Filed as: EMPLOYERS BENEFIT GROUP LLC | 2519 N HILLCREST PKWY SUITE 201 ALTOONA, WI 54720 | HARTFORD LIFE AND ACCIDENT | $57K | $1K | $59K | 13.82% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW | 353 N CLARK SUITE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $670 | — | $670 | 1.06% |
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 | 591 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 467 | $4.5M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 467 | $4.5M |
| Vision | VISION SERVICE PLAN | 467 | $63K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 591 | $424K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 591 | $424K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 591 | $424K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 467 | $4.5M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 467 | $4.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 591 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.