| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET, SUITE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $53K | $0 | $53K | 2.24% |
| BLAKE CHAPMAN3 | 353 NORTH CLARK STREET, 11TH FLOOR CHICAGO, IL 60654 | PRIORITY HEALTH INSURANCE COMPANY | $35K | $0 | $35K | 3.04% |
| BLAKE CHAPMAN3 | 353 NORTH CLARK STREET, 11TH FLOOR CHICAGO, IL 60654 | PRIORITY HEALTH INSURANCE COMPANY | $28K | $0 | $28K | 3.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET, 10TH FLOOR CHICAGO, IL 60654 | DELTA DENTAL OF MICHIGAN | $990 | $0 | $990 | 1.12% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET, SUITE 1100 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.92% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET, 10TH FLOOR CHICAGO, IL 60654 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 7.79% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET, SUITE 400 CHICAGO, IL 60654 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 10.58% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET, SUITE 400 CHICAGO, IL 60654 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $656 | $0 | $656 | 6.17% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $471 | $0 | $471 | 4.43% |
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 | 1,858 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,858 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PRIORITY HEALTH INSURANCE COMPANY | 204 | $2.1M |
| Dental(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,858 | $2.5M |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 629 | $106K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,858 | $2.4M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,858 | $85K |
| Prescription drug(2 contracts) | PRIORITY HEALTH INSURANCE COMPANY | 204 | $2.1M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 1,858 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,858 | — |
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.