| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $69K | $5 | $69K | 2.25% |
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | — | $2K | $2K | 0.07% |
| INTERPARK, LLC3 | 200 N LASALLE STREET SUITE 400 CHICAGO, IL 60601 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $2 | $2 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC IL | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | DEARBORN LIFE INSURANCE COMPANY | $11K | — | $11K | 4.15% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 800 GESSNER ROAD SUITE 300 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | — | $5K | $5K | 2.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES I | 701 B STREET SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO. | — | $238 | $238 | 1.97% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 309 | $3.1M |
| Dental | AETNA LIFE INSURANCE CO. | 42 | $12K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 150 | $26K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 251 | $259K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 251 | $259K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 251 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.