| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $57K | — | $57K | 3.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 353 NORTH CLARK STREET 11TH FLOOR CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 8.65% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SRVCS INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.35% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 5.76% |
| PARAMOUNT PREFERRED SOLUTIONS INC3 | 25001 EMERY ROAD THIRD FLOOR CLEVELAND, OH 44128 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 353 NORTH CLARK STREET 11TH FLOOR CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $982 | — | $982 | 2.57% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SRVCS INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $931 | — | $931 | 2.43% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | — | $700 | $700 | 1.83% |
| PARAMOUNT PREFERRED SOLUTIONS INC3 | 25001 EMERY ROAD THIRD FLOOR CLEVELAND, OH 44128 | STANDARD INSURANCE COMPANY | — | $574 | $574 | 1.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 353 NORTH CLARK STREET 11TH FLOOR CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $761 | — | $761 | 8.70% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SRVCS INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $552 | — | $552 | 6.31% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | — | $477 | $477 | 5.45% |
| PARAMOUNT PREFERRED SOLUTIONS INC3 | 25001 EMERY ROAD THIRD FLOOR CLEVELAND, OH 44128 | STANDARD INSURANCE COMPANY | — | $306 | $306 | 3.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 353 NORTH CLARK STREET 11TH FLOOR CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $237 | — | $237 | 5.20% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SRVCS INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $219 | — | $219 | 4.81% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B STREET FLOOR 6 SAN DIEGO, CA 92102 | STANDARD INSURANCE COMPANY | — | $128 | $128 | 2.81% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 119 | $1.9M |
| Dental | STANDARD INSURANCE COMPANY | 50 | $38K |
| Vision | STANDARD INSURANCE COMPANY | 31 | $5K |
| Life insurance | STANDARD INSURANCE COMPANY | 138 | $47K |
| Long-term disability | STANDARD INSURANCE COMPANY | 55 | $9K |
| Other | STANDARD INSURANCE COMPANY | 138 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
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.