| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 353 N CLARK CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $120K | $2K | $122K | 3.75% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 400 CHICAGO, IL 606543452 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $2K | $2K | 0.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC IL | 353 NORTH CLARK ST SUITE 1100 CHICAGO, IL 60654 | DEARBORN LIFE INSURANCE COMPANY | $17K | — | $17K | 15.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 800 GESSNER ROAD SUITE 300 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | — | $4K | $4K | 3.09% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 353 N CLARK ST CHICAGO, IL 606544704 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $73 | $2K | 19.61% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | D/B/A THREEFLOW 306 W ERIE ST STE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $144 | — | $144 | 1.36% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | PO BOX 745977 LOS ANGELES, CA 900745977 | METROPOLITAN LIFE INSURANCE COMPANY | — | $97 | $97 | 0.92% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 353 N CLARK ST CHICAGO, IL 606544704 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $73 | $2K | 19.80% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | D/B/A THREEFLOW 306 W ERIE ST STE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $115 | — | $115 | 1.40% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | PO BOX 745977 LOS ANGELES, CA 900745977 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 0.93% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | AIS DB EB OP ACCOUNT PO BOS 745977 LOS ANGELES, CA 90074 | METLIFE LEGAL PLANS | $806 | — | $806 | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 1620 FIFTH AVENUE SAN DIEGO, CA 921012797 | METLIFE LEGAL PLANS | — | $61 | $61 | 0.76% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 3600 N CAPITAL OF TEXAS HWY SUITE B-200 AUSTIN, TX 78746 | METLIFE LEGAL PLANS | — | $14 | $14 | 0.17% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 353 N CLARK ST CHICAGO, IL 606544704 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $73 | $2K | 24.08% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | D/B/A THREEFLOW 306 W ERIE ST STE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $133 | — | $133 | 1.71% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | PO BOX 745977 LOS ANGELES, CA 900745977 | METROPOLITAN LIFE INSURANCE COMPANY | — | $89 | $89 | 1.15% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 N CLARK ST STE 400 CHICAGO, IL 606543452 | METROPOLITAN LIFE INSURANCE COMPANY | $4 | — | $4 | 0.05% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 350 | $3.3M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 350 | $3.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 235 | $113K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 235 | $113K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 235 | $113K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 235 | $113K |
| Other(5 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 235 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.