| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $72K | $11K | $83K | 19.82% |
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | — | $6K | $6K | 1.37% |
| MESIROW INSURANCE SERVICES INC3 | PO BOX 734288 CHICAGO, IL 60610 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $10K | $22K | 6.48% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 2.57% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 1.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES I | 701 B STREET SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO. | $861 | — | $861 | 1.50% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 110 CHICAGO, IL 60654 | AETNA LIFE INSURANCE CO. | $780 | — | $780 | 1.36% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. - | 353 NORTH CLARK STREET #400 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 2.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC. - | 701 B STREET SAN DIEGO, CA 92101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $497 | — | $497 | 1.18% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. - | 353 NORTH CLARK STREET #400 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $162 | — | $162 | 0.38% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 6.32% |
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 | 634 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 195 | $58K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 785 | $42K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 646 | $340K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 646 | $340K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 646 | $340K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 854 | $418K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 646 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 854 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.