| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $39K | $15K | $55K | 0.55% |
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | — | $3K | $3K | 0.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 450 COUNTRY CLUB ROAD SUITE 330 EUGENE, OR 97401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | — | $32K | 9.88% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2415 EAST CAMELBACK ROAD SUITE 950 PHOENIX, AZ 85016 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 0.87% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 34307 NORTH TANGUERAY DRIVE GRAYSLAKE, IL 60030 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $43K | — | $43K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.5 Filed as: ALLIANT INSURANCE SERVICES INC | 34307 NORTH TANGUERAY DRIVE GRAYSLAKE, IL 60030 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.14% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $106 | $106 | 0.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS - GLEN AL | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $10K | — | $10K | 13.86% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $364 | — | $364 | 4.39% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET ATTN LEGAL/COMP CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $226 | — | $226 | 2.73% |
| EL TORRO INC3 | 5425 MILLS RIDGE DRIVE SOUTHWEST WYOMING, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $138 | — | $138 | 1.67% |
| ANDREW CASPERSON3 Filed as: ANDREW W CASPERSON AND ASSOCIATES L | 303 WEST ERIE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 1.00% |
| RUSSELL NOWAK3 | 8009 VALLEY DRIVE PALOS HILLS, IL 60465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.76% |
| THE PROFECTUS GROUP LLC3 Filed as: THE PROFECTUS GROUP MIDWEST, LLC | 450 WEST WILSON BRIDGE ROAD SUITE 110 WORTHINGTON, OH 43085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.56% |
| CIRO ABRIL3 | 25-49 83RD STREET JACKSON HEIGHTS, NY 11370 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.51% |
| GREENEN AND ASSOCIATES3 Filed as: GREENEN AND ASSOC LTD | 1212 SOUTH NAPER BOULEVARD SUITE 119-190 NAPERVILLE, IL 60540 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.45% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET ATTN LEGAL/COMP CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.39% |
| JASON SALLEMI3 | 302 MONROE STREET APARTMENT 4B HOBOKEN, NJ 07030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.27% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 798 EAGLE DRIVE AURORA, IL 60506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.22% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.16% |
| H J SAMAAN INC3 Filed as: HJ SAMAAN INC | 19W152 21ST PLACE LOMBARD, IL 60148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.10% |
| VICKI L CIGER3 Filed as: VICKI I CIGER | 4020 OAK TREE LANE PLAINFIELD, IL 60586 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.10% |
| MICHAEL ROBERT YURCZYK3 | 701 NORTH 2ND STREET #602 MINNEAPOLIS, MN 55401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.07% |
| NASCA & ASSOCIATES3 Filed as: NASCA & ASSOCIATES LTD | 303 WEST ERIE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.06% |
| STEVEN MARK ABRAMS3 | 22921 IRONWEDGE DRIVE BOCA RATON, FL 33433 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| DEVITA BETHINA MCKENZIE3 | 289 SOUTH BURTON AVENUE SAN GARBRIEL, CA 91776 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| ANNA ELIZABETH INC3 | 2821 NORTH OCEAN BOULEVARD APARTMENT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| BENITO A ROTONDI3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| LINDSAY A LIJEWSKI3 | 5894 EAST CALEY AVENUE CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA | 2 COLORADO PLACE HUNTING STATION, NY 11746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| JV FLORIDA INSURANCE CORP3 | 2821 NORTH OCEAN BOULEVARD UNIT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| LARRY W NICHOLSON JR3 Filed as: LARRY W NICOHOLSON JR | 1331 WEST MOREHEAD STREET #115 CHARLOTTE, NC 28208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| REGINA K SANTANGELO3 | 6892 SOUTH WEBSTER WAY LITTLETON, CO 80128 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $572 | — | $572 | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS-GLEN ALLE | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $518 | — | $518 | 14.56% |
| ALLIANT INSURANCE SERVICES, INC.3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30 | — | $30 | 10.17% |
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 | 493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5 | $168K |
| Vision(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 352 | $245K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 492 | $286K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 222 | $327K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 1,064 | $9.9M |
| Other(6 contracts, 6 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 492 | $635K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,064 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.