| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: MESIROW INS SERV (ALLIANT EMP BEN) | 353 N. CLARK ST. CHICAGO, IL 60654 | THE UNION LABOR LIFE INSURACE COMPANY | $8K | — | $8K | 2.00% |
| MESIROW INSURANCE SERVICES INC1 | 353 N. CLARK ST. STE 1100 CHICAGO, IL 60654 | DEARBORN LIFE INSURANCE COMPANY | $4K | $6K | $10K | 9.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCARE SERVICE CORPORATION EIN 36-1236610 NONE | Claims processing; Other fees; Contract Administrator Service code 12 | — | $253K |
| BENEFITS MANAGEMENT GROUP, INC EIN 20-0188125 NONE | Contract Administrator; Other services; Claims processing Service code 12 | — | $167K |
| IATSE LOCAL 2 EIN 36-0906745 AFFILIATED UNION | Employee (plan sponsor); Other services; Direct payment from the plan Service code 35 | — | $97K |
| FOSTER & FOSTER EIN 59-1921114 NONE | Actuarial Service code 11 | — | $32K |
| SEI INVESTMENTS EIN 23-1707341 NONE | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $26K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $25K |
| SCRIPT CARE, LTD. EIN 76-0295598 NONE | Other services Service code 49 | — | $12K |
| EMPLOYEE RESOURCE SYSTEMS EIN 36-3867645 NONE | Other services Service code 49 | — | $8K |
| JACOBS, BURNS, ORLOVE & HERNANDEZ EIN 36-2425981 NONE | Legal Service code 29 | — | $6K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Account maintenance fees; Custodial (securities); Float revenue Service code 19 | — | $5K |
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 | 452 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 121 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 485 | $104K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURACE COMPANY | 504 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 504 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.