| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER RD STE 800 HOUSTON, TX 77056 | DEARBORN LIFE INSURANCE COMPANY | $20K | — | $20K | 11.36% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 353 N CLARK ST SUITE 1100 CHICAGO, IL 60654 | DEARBORN LIFE INSURANCE COMPANY | $142 | — | $142 | 0.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 353 N CLARK ST CHICAGO, IL 60654 | COMBINED INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.09% |
| AUSTEN POWELL3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $637 | — | $637 | 3.64% |
| BRIAN E. JUND3 Filed as: BRIAN E JUND | — | COMBINED INSURANCE COMPANY OF AMERICA | $77 | — | $77 | 0.44% |
| KC RANDALL WOOD3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $59 | — | $59 | 0.34% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | — | COMBINED INSURANCE COMPANY OF AMERICA | $33 | — | $33 | 0.19% |
| WRI EMPLOYERS INS INC3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $25 | — | $25 | 0.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 911098299 | VISION SERVICE PLAN | $1K | — | $1K | 10.02% |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 278 | $2.4M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 278 | $2.3M |
| Vision | VISION SERVICE PLAN | 134 | $13K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 248 | $176K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 248 | $176K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 248 | $176K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 248 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.