| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $40K | — | $40K | 3.62% |
| ALLIANT INSURANCE SERVICES, INC.3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $29K | — | $29K | 2.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | — | $28K | 6.29% |
| 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 | $1K | — | $1K | 0.28% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 353 NORTH CLARK STREET FLOOR 11 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 6.27% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | -$73 | — | -$73 | -0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 5.54% |
| 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 | $1K | — | $1K | 0.53% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 7.29% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 9133 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $347 | — | $347 | 0.20% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SRVS INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 12.09% |
| WORKDAY INC3 Filed as: WORKDAY, INC. | 6110 STONERIDGE MALL ROAD PLEASANTON, CA 94588 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 8.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SRVS INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 12.13% |
| WORKDAY INC3 Filed as: WORKDAY, INC. | 6110 STONERIDGE MALL ROAD PLEASANTON, CA 94588 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 8.09% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 2.47% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SRVS INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 8.39% |
| WORKDAY INC3 Filed as: WORKDAY, INC. | 6110 STONERIDGE MALL ROAD PLEASANTON, CA 94588 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 5.59% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.55% |
| 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 | $115 | — | $115 | 0.27% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | — | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $2K | — | $2K | 6.21% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | — | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $813 | — | $813 | 6.27% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | — | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $375 | — | $375 | 6.20% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MERSIROW INSURANCE SERVICES, INC. | — | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $253 | — | $253 | 5.85% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | — | CIGNA DENTAL HEALTH OF TEXAS, INC. | $278 | — | $278 | 6.43% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | — | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $197 | — | $197 | 5.70% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | — | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $121 | — | $121 | 7.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | — | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $104 | — | $104 | 6.02% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | — | CIGNA DENTAL HEALTH OF OHIO, INC. | $102 | — | $102 | 5.90% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | — | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $37 | — | $37 | 2.14% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC./ | — | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $46 | — | $46 | 5.32% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | — | CIGNA DENTAL HEALTH OF COLORADO, INC. | $64 | — | $64 | 7.41% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | — | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $78 | — | $78 | 9.03% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | — | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $33 | — | $33 | 3.82% |
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 | 4,044 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,076 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(15 contracts, 15 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 819 | $156K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,351 | $349K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,044 | $408K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 553 | $438K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 4,495 | $1.2M |
| Other(8 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,306 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,306 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.