| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEPLOYANT ADVISORS3 | P.O. BOX 64425 CHICAGO, IL 60664 | VISION SERVICE PLAN | — | $282 | $282 | 1.51% |
| DEPLOYANT ADVISORS3 Filed as: DEPLOYANT ADVISORS LLC | 1350 E TOUHY AVE DES PLAINES, IL 60018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 7.86% |
| MARIS WALTER3 | 2437 BURR OAK AVE NORTH RIVERSIDE, IL 60546 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $328 | $6 | $334 | 2.28% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | $85 | $285 | 1.94% |
| ROBERT CZERWINSKI3 | 3512 STONE CREEK JOLIET, IL 60435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $0 | $87 | 0.59% |
| FELTER INC3 | 5403 COMMONWEALTH AVE WESTERN SPRINGS, IL 60558 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 0.46% |
| JENNIFER ROWLAND3 | 205 N SUNSET BLVD CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $7 | $45 | 0.31% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.28% |
| KRISTAL DEL GUADALUPE FIGUEROA3 | 3257 COOL SPRINGS CT NAPERVILLE, IL 60564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | STE 1500 1420 5TH AVE SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | — |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 10TH FLOOR 18100 VON KARMAN AVE IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | — |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | STE 1500 1420 5TH AVE SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $4K | $8K | — |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE3S INC | 10TH FLOOR 18100 VON KARMAN AVE IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | — |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | STE 1500 1420 5TH AVE SEATTLE, WA 98101 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $5K | $5K | — |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 10TH FLOOR 18100 VON KARMAN AVE IRVINE, CA 92612 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 PPO | Insurance services Service code 23 | — | $29K |
| MARQUEE HEALTH, LLC EIN 46-5472798 WELLNESS | Other services Service code 49 | — | $4K |
| AMINO, INC 3242 | Other services Service code 49 | 44 MONTGOMERY STREET, SUITE 300 SAN FRANCISCO, CA 94104 | $0 |
| CURALINC EIN 33-1206383 2782 | Other services Service code 49 | — | $0 |
| TELADOC EIN 35-2351217 2688 | Other services Service code 49 | — | $0 |
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 | 524 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 366 | $0 |
| Vision | VISION SERVICE PLAN | 295 | $19K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 582 | $15K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 582 | $15K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 582 | $15K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 405 | $458K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 582 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.