| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $28K | — | $28K | 2.15% |
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $24K | $2K | $26K | 1.94% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $4 | $4 | 0.00% |
| LOVEJOY INDUSTRIES, INC.3 | 3610 COMMERCIAL AVENUE NORTHBROOK, IL 60062 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $2 | $2 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1050 WILSHIRE DRIVE SUITE 210 TROY, MI 48084 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1050 WILSHRIE DRIVE SUITE 210 TROY, MI 48084 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 28.66% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 353 NORTH CLARK STREET FLOOR 11 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.92% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SER INC | 353 NORTH CLARK STREET 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 2.20% |
| 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 | $547 | — | $547 | 9.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC. - | 701 B STREET SAN DIEGO, CA 92101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $46 | — | $46 | 0.77% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | MUTUAL OF OMAHA INSURANCE COMPANY | $157 | — | $157 | 15.02% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | MUTUAL OF OMAHA INSURANCE COMPANY | $142 | — | $142 | 14.95% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 141 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 129 | $50K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 95 | $6K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 112 | $53K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 112 | $53K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 112 | $53K |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 112 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
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.