| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1050 WILSHIRE DRIVE SUITE 210 TROY, MI 48084 | BLUECROSS BLUESHIELD OF ILLINOIS | $66K | — | $66K | 3.90% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $3K | $3K | 0.20% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 353 N CLARK ST SUITE 1100 CHICAGO, IL 60654 | DEARBORN LIFE INSURANCE COMPANY | $15K | — | $15K | 13.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 800 GESSNER ROAD, STE 300 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.39% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 353 N CLARK ST CHICAGO, IL 60654 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 9 RIVER PARK PLACE EAST 3RD FL PO BOX 28932 FRESNO, CA 93729 | AMERITAS LIFE INSURANCE CORP. | — | $821 | $821 | 2.16% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS-GLEN ALLE | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED VISION CARE | $1K | — | $1K | 10.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP ADMINISTRATORS, LTD EIN 36-3381052 CLAIMS PROCESSING | Claims processing Service code 12 | — | $3K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $3K |
| ALLIANT INSURANCE SERVICES INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | 353 N CLARK ST FLOOR 10 CHICAGO, IL 60654 | $108 |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 267 | $1.7M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 171 | $38K |
| Vision | EYEMED VISION CARE | 197 | $12K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 114 | $115K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 114 | $115K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 114 | $115K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 114 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.