| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 29840 NETWORK PLACE CHICAGO, IL 606731298 | BLUECROSS BLUESHIELD OF ILLINOIS | $48K | — | $48K | 2.20% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMEN AVE 10TH FLOOR IRVINE, CA 92612 | BLUECROSS BLUESHIELD OF ILLINOIS | $38K | $2K | $40K | 1.84% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MEISROW INSURANCE SERVICES INC | 353 N. CLARK STREET CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $3K | $3K | 0.12% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 800 GESSNER ROAD SUITE 300 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 6.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTANTS, LOSANGELES CA | 707 E WILSHIRE BLVD STE 5700 LOS ANGELES, CA 90017 | DEARBORN LIFE INSURANCE COMPANY | $5K | — | $5K | 6.42% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 707 WILSHIRE BLVD STE 2600 LOS ANGELES, CA 90017 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.09% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST 6TH FL SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.13% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 235 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 235 | $2.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $30K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 109 | $71K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 109 | $71K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 109 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.