| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 2333 WAUKEGAN ROAD BANNOCKBURN, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $74K | $44K | $118K | 0.47% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | UNKNOWN NORTHBROOK, IL 60062 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $75K | $75K | 0.30% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET, SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $95K | $0 | $95K | 6.70% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $5K | $12K | 0.83% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FIOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $11K | $11K | 0.77% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FIOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $89K | $0 | $89K | 14.88% |
| WORKDAY INC3 Filed as: WORKDAY, INC. | 6110 STONERIDGE MALL ROAD PLEASANTON, CA 94588 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $59K | $59K | 9.92% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET, 11TH FLOOR CHICAGO, IL 60654 | UNITED HEALTHCARE INSURANCE COMPANY | $23K | $8K | $32K | 17.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FIOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 3.44% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET, SUITE 1100 CHICAGO, IL 60610 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $9K | $0 | $9K | 13.68% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FIOOR SAN DIEGO, CA 92101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $1K | $1K | 1.66% |
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 | 4,244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 595 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 680 | $117K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 2,525 | $186K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,243 | $1.4M |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 4,244 | $65K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,243 | $1.4M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 4,461 | $25.1M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,900 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,900 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.