| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 N, CAPITAL OF TEXAS, SUITE 200 AUSTIN, TX 78746 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $102K | $4 | $102K | 2.98% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $0 | $4K | $4K | 0.12% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE, 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $4K | $19K | 10.64% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER ROAD, SUITE 300 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $2K | $781 | $3K | 10.59% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET, SUITE 1100 CHICAGO, IL 60654 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.05% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | METLIFE LEGAL PLANS | $883 | $0 | $883 | 6.87% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | METLIFE LEGAL PLANS | $298 | $114 | $412 | 3.21% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 N CAPITAL OF TEXAS HIGHWAY SUITE B-200 AUSTIN, TX 78746 | METLIFE LEGAL PLANS | $0 | $59 | $59 | 0.46% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS | $0 | $13 | $13 | 0.10% |
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 | 379 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 480 | $3.4M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 480 | $3.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 284 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 270 | $176K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 270 | $176K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 270 | $176K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 447 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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.