| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $57 | $57 | 0.00% |
| BALYASNY ASSET MANAGEMENT, L.P.3 | 444 WEST LAKE STREET 50TH FLOOR CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $37 | $37 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1050 WILSHIRE DRIVE SUITE 210 TROY, MI 48084 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $11 | $11 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1050 WILSHIRE DRIVE SUITE 210 TROY, MI 48084 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $11 | $11 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $13K | $13K | 1.55% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $10K | — | $10K | 5.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | FEDERAL INSURANCE COMPANY | $363 | $46 | $409 | 16.89% |
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 | 1,348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 76 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 482 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 482 | $2.7M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,270 | $2.9M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,384 | $829K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,384 | $829K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 3,087 | $19.9M |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,846 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,087 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.