| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $92K | — | $92K | 3.85% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | — | BLUECROSS BLUESHIELD OF ILLINOIS | — | $3K | $3K | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER RE | 200 LIBERTY STREET NEW YORK, NY 10281 | AMALGAMATED LIFE INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, IN | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $4K | $17K | 23.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.50% |
| J MANNING AND ASSOCIATES3 Filed as: J. MANNING & ASSOCIATES | 167 NORTH GREEN STREET CHICAGO, IL 60607 | LIFESECURE INSURANCE COMPANY | $1K | — | $1K | 4.74% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $631 | — | $631 | 2.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, IN | 353 NORTH CLARK STREET CHICAGO, IL 60654 | LIFESECURE INSURANCE COMPANY | $291 | — | $291 | 1.35% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 252 | $2.4M |
| Dental | DELTA DENTAL OF ILLINOIS | 227 | $892 |
| Vision | PROTEC INSURANCE COMPANY | 176 | $30K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 407 | $91K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $76K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $76K |
| Other(3 contracts, 3 carriers) | AMALGAMATED LIFE INSURANCE COMPANY | 407 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.