| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $136K | — | $136K | 2.10% |
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | — | $4K | $4K | 0.06% |
| WITT/KIEFFER INC.3 | 2015 SPRING ROAD SUITE 510 OAK BROOK, IL 60523 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET 11TH FLOOR CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | DELTA DENTAL OF ILLINOIS | $24K | — | $24K | 6.89% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | HARTFORD LIFE AND ACCIDENT | $41K | — | $41K | 14.17% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $15K | $15K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SVCS HOUSTON LLC | 1125 SANCTUARY PARKWAY ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | — | $9K | $9K | 2.93% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 1125 SANCTUARY PARKWAY ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.48% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 8.99% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $429 | $60 | $489 | 17.08% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 708 | $6.5M |
| Dental | DELTA DENTAL OF ILLINOIS | 301 | $345K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 256 | $31K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 339 | $292K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 339 | $292K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 339 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 708 | — |
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.