| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT BENEFIT SERVICES, INC. | 701 B ST. FL 6 SAN DIEGO, CA 92101 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $4K | $4K | 0.23% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE ST. STE 3005 PITTSBURGH, PA 15233 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $84 | $3K | 2.42% |
| AXION RMS LTD3 | 2651 WARRENVILLE RD. STE 200 DOWNERS GROVE, IL 60515 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.92% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 5444 WESTHEIMER RD. STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $450 | $450 | 0.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST. FL 6 SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $846 | — | $846 | 3.47% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2651 WARRENVILLE RD STE 200 DOWNERS GROVE, IL 60515 | VISION SERVICE PLAN | $846 | — | $846 | 3.47% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 357 | $1.6M |
| Dental | DELTA DENTAL OF ILLINOIS | 104 | $99K |
| Vision | VISION SERVICE PLAN | 145 | $24K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 439 | $121K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 439 | $121K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 357 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.