| 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 | $21K | — | $21K | 0.94% |
| LESLIE A MC LEOD3 | 939 WEST HURON STREET UNIT 108 CHICAGO, IL 60642 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $16K | — | $16K | 0.71% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 240 MADISON AVENUE 7TH FLOOR MEMPHIS, TN 38103 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $6K | — | $6K | 0.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 18100 VON KARMAN AVENUE 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $7K | $1K | $9K | 17.83% |
| PARAMOUNT PREFERRED SOLUTIONS INC3 | 25001 EMERGY ROAD SUITE 300 CLEVELAND, OH 44128 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.50% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $750 | $750 | 1.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 18100 VON KARMAN AVENUE 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $2K | $613 | $3K | 6.44% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $641 | $641 | 1.50% |
| PARAMOUNT PREFERRED SOLUTIONS INC3 | 25001 EMERGY ROAD SUITE 300 CLEVELAND, OH 44128 | STANDARD INSURANCE COMPANY | — | $641 | $641 | 1.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 18100 VON KARMAN AVENUE 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $1K | $268 | $2K | 17.96% |
| PARAMOUNT PREFERRED SOLUTIONS INC3 | 25001 EMERGY ROAD SUITE 300 CLEVELAND, OH 44128 | STANDARD INSURANCE COMPANY | — | $316 | $316 | 3.50% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $135 | $135 | 1.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 18100 VON KARMAN AVENUE 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $507 | $73 | $580 | 11.44% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $76 | $76 | 1.50% |
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 | 118 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 99 | $2.2M |
| Dental | STANDARD INSURANCE COMPANY | 47 | $43K |
| Vision | STANDARD INSURANCE COMPANY | 29 | $5K |
| Life insurance | STANDARD INSURANCE COMPANY | 118 | $50K |
| Long-term disability | STANDARD INSURANCE COMPANY | 52 | $9K |
| Other | STANDARD INSURANCE COMPANY | 118 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.