| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT CONSULTI3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 2.56% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 0.94% |
| EMPLOYEE BENEFIT CONSULTI3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 0.91% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 0.91% |
| EMPLOYEE BENEFIT CONSULTI3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 2.58% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 0.92% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | COMBINED INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 10.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | — | $22 | $22 | 0.01% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $2K | $11K | 8.28% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $2K | $11K | 8.28% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 4.95% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $2K | $12K | 10.05% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $2K | $12K | 10.05% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 4.95% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 9.17% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 9.17% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.95% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | LEGAL ACCESS CONSULTING, LLC | $5K | — | $5K | 10.00% |
| EMPLOYEE BENEFIT CONSULTI3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $857 | — | $857 | 2.59% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $301 | — | $301 | 0.91% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | COMBINED INSURANCE COMPANY OF AMERICA | $256 | — | $256 | 10.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | — | $1 | $1 | 0.04% |
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 | 2,212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 486 | $109K |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 2,733 | $291K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,212 | $357K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,881 | $775K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,212 | $399K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 912 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,733 | — |
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.