| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | — | BLUECROSS BLUESHIELD OF ILLINOIS | — | $26K | $26K | 0.27% |
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | — | $11K | $11K | 0.12% |
| ECHO INCORPORATED3 | 400 OAKWOOD ROAD LAKE ZURICH, IL 60047 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $15 | $15 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE, INC. | 353 NORTH CLARK SUITE 1100 CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $9 | $9 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, IN | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $5K | $31K | 12.20% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, IN | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 12.23% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $277 | — | $277 | 1.53% |
| ERENIA CASTELLANOS3 Filed as: ERENIA GONZALEZ | 14628 CAPITAL DRIVE PLAINFIELD, IL 60544 | CONTINENTAL AMERICAN INSURANCE COMPANY | $206 | — | $206 | 1.14% |
| ERENIA CASTELLANOS3 Filed as: ERENIA GONZALEZ | 14628 CAPITAL DRIVE PLAINFIELD, IL 60544 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | — | $139 | 0.77% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | — | $111 | 0.61% |
| NORMA HUERTA3 | 14420 SOUTH ALBANY AVENUE POSEN, IL 60469 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 0.53% |
| SUMMER L CAIN3 | 10040 WEST CHEYENNE AVENUE SUITE 170-249 LAS VEGAS, NV 89129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 0.53% |
| MICHAEL ROBERT YURCZYK3 | 701 NORTH 2ND STREET #602 MINNEAPOLIS, MN 55401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.43% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.33% |
| JEANNETTE YVONNE DURRANI3 | 11 SOUTH CENTRAL AVENUE APARTMENT 2115 PHOENIX, AZ 85004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.25% |
| ANDREW C MJONESS3 Filed as: ANDREW CHRISTOPHER MJONESS | 2917 14TH AVENUE SOUTH MOORHEAD, MN 56560 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.25% |
| CHAD L NELSON3 | 5266 NORTH KUFALK LANE BYRON, IL 61010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.24% |
| JV FLORIDA INSURANCE CORP3 Filed as: JV FLORIDA INSURANCE CORPO | 2821 NORTH OCEAN BOULEVARD UNIT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.23% |
| KEITH OLSON3 Filed as: KEITH ALAN OLSON | 427 31ST AVENUE EAST WEST FARGO, ND 58078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.18% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.18% |
| JENNIFER L DANN3 Filed as: JENNIFER LOU DANN | 24233 RACETRACK STREET FORESTHILL, CA 95631 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.17% |
| SHAWN D BENSER3 Filed as: SHAWN DUNN BENSER | 214 PARK DRIVE HARWOOD, ND 58042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.11% |
| ERNESTO GONZALEZ3 | 14628 CAPITAL DRIVE PLAINFIELD, IL 60544 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.08% |
| BRIAN W PATTEN3 Filed as: BRIAN WILLIAM PATTEN | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 798 EAGLE DRIVE AURORA, IL 60506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| JOSEPH A NASCA3 | 222 WEST ERIE STREET APARTMENT 2210 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| SHEILA M SERAPHIN3 Filed as: SHEILA SERAPHIN | 3 CHALLY DRIVE YORKVILLE, IL 60560 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| CHAD L NELSON3 | 5266 NORTH KUFALK LANE BYRON, IL 61010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.04% |
| JORGETTE MONTILLA3 | 1715 FIDDYMENT DRIVE ROMEOVILLE, IL 60446 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| DANIEL EUGENE ELLIS3 | 1 S FAIR OAKS AVENUE #200 PASADENA, CA 91105 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2 | — | -$2 | -0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, IN | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $324 | $2K | 12.00% |
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 | 1,068 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,076 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 699 | $83K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,089 | $361K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,089 | $268K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 1,588 | $9.6M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,089 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,588 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.