| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT | — | BLUECROSS BLUESHIELD OF ILLINOIS | — | $2K | $2K | 0.09% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 N CLARK CHICAGO, IL 60654 | DELTA DENTAL OF ILLINOIS | $5K | — | $5K | 6.88% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | — | $3K | 7.17% |
| MILLENIUM BENEFITS3 | 799 ROOSEVELT RD 6 107 GELN ELYN, IL 60137 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $1K | $103 | $1K | 3.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 7.17% |
| MILLENIUM BENEFITS3 | 799 ROOSEVELT RD 6 107 GLEN ELYN, IL 60137 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $588 | $53 | $641 | 3.05% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE INC. | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $1K | — | $1K | 6.93% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM BENEFITS | 799 ROOSEVELT RD 6 107 GLEN ELYN, IL 60137 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $450 | $38 | $488 | 3.02% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 N CLARK ST SUITE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $656 | — | $656 | 6.76% |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 234 | $2.0M |
| Dental | DELTA DENTAL OF ILLINOIS | 122 | $77K |
| Vision | VISION SERVICE PLAN | 104 | $10K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 189 | $41K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 71 | $16K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 71 | $21K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 189 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.