| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC3 Filed as: ALLIED BENEFIT SYSTEMS, INC. | 200 W ADAMS ST STE 500 CHICAGO, IL 60606 | WESTPORT INSURANCE CORPORATION | — | $80K | $80K | 57.75% |
| TOTAL INSURANCE SERVICES, INC.3 | 3715 COMMERCIAL AVE, STE 200 NORTHBROOK, IL 60062 | WESTPORT INSURANCE CORPORATION | — | $24K | $24K | 17.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS INC. EIN 36-3086057 TPA | Plan Administrator Service code 14 | 200 W ADAMS ST STE 500 CHICAGO, IL 60606 | $80K |
| TOTAL INSURANCE SERVICES, INC. EIN 36-2734157 BROKER | Insurance brokerage commissions and fees Service code 53 | 3715 COMMERCIAL AVE, STE 200 NORTHBROOK, IL 60062 | $24K |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WESTPORT INSURANCE CORPORATION | 167 | $138K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 167 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
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.