| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE | 1500 LAKESIDE DR BANNOCKBURN, IL 60015 | CHUBB AMER INS CO | $63K | — | $63K | 17.82% |
| ACI3 | PO BOX 4000 COLLEGEVILLE, PA 19426 | CHUBB AMER INS CO | $25K | — | $25K | 7.00% |
| PROVIDENCE ADVISORS LLC3 Filed as: PROVIDENCE BENEFITS | PROVIDENCE BENEFITS 2000 PROVIDENCE SUITE 200 BIRMINGHAM, AL 35242 | CHUBB AMER INS CO | $21K | — | $21K | 6.00% |
| ACCURISK SOLUTIONS, LLC3 | 10 S LA SALLE ST #3450 CHICAGO, IL 60603 | CHUBB AMER INS CO | $12K | — | $12K | 3.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 2121 N CALIFORNIA BLVD SUITE 1000 WALNUT CREEK, CA 94596 | STANDARD INSURANCE COMPANY | $3K | $2K | $5K | 4.86% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 2121 N CALIFORNIA BLVD SUITE 1000 WALNUT CREEK, CA 94596 | STANDARD INSURANCE COMPANY | $808 | $868 | $2K | 2.30% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 271 | $1.6M |
| Dental | STANDARD INSURANCE COMPANY | 154 | $86K |
| Vision | STANDARD INSURANCE COMPANY | 308 | $20K |
| Life insurance | STANDARD INSURANCE COMPANY | 215 | $109K |
| Short-term disability | STANDARD INSURANCE COMPANY | 187 | $65K |
| Long-term disability | STANDARD INSURANCE COMPANY | 187 | $73K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 271 | $1.6M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 271 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.