| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVCES INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $67K | $3K | $69K | 4.21% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCI | 1800 ROUTE 34 BUILDING 4 SUITE 404A WELL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 7.18% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 200 SOUTH WACKER DRIVE SUITE 3030 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 200 SOUTH WACKER DRIVE SUITE 3030 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.22% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCI | 1800 ROUTE 34 BUILDING 4 SUITE 404A WELL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 7.17% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $3K | 16.94% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $942 | $942 | 5.00% |
| EUGENE P SMITH3 | 353 NORTH CLARK CHICAGO, IL 60654 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.01% |
| GIS BENEFITS INC3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | DEARBORN LIFE INSURANCE COMPANY | $768 | — | $768 | 4.99% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $966 | $2K | 21.97% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $510 | $510 | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 200 SOUTH WACKER DRIVE SUITE 3030 CHICAGO, IA 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $435 | — | $435 | 8.40% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCI | 1800 ROUTE 34 BUILDING 4 SUITE 404A WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $372 | $372 | 7.18% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 NORTH CLARK STREET SUITE 100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $349 | $186 | $535 | 23.03% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $116 | $116 | 4.99% |
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 | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 240 | $1.6M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 240 | $1.6M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 100 | $15K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $63K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $33K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 240 | $1.6M |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.