| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $141K | $4 | $141K | 3.46% |
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | — | $2K | $2K | 0.06% |
| MESIROW INSURANCE SERVICES INC3 | — | DELTA DENTAL OF ILLINOIS | $16K | — | $16K | 6.91% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | HARTFORD LIFE AND ACCIDENT | $41K | — | $41K | 20.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 11.63% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALIANT INSURANCE SERVICES INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | FEDERAL INSURANCE COMPANY | $976 | $98 | $1K | 16.50% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 511 | $4.1M |
| Dental | DELTA DENTAL OF ILLINOIS | 217 | $233K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 405 | $22K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 224 | $203K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 224 | $203K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 224 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.