| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $113K | — | $113K | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $105K | — | $105K | 0.72% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $13 | $13 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $12 | $12 | 0.00% |
| JDRC MANAGED SERVICES, LLC DBA CRES3 | 400 WEST ERIE STREET SUITE 110 CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $63K | $38 | $63K | 2.88% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $45 | $49K | 2.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 0.60% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 0.23% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER ROAD SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BOULEVARD SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $178 | $178 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER ROAD SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET FLOOR 11 CHICAGO, IL 60654 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 2.84% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 1.56% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET FLOOR 11 CHICAGO, IL 60654 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.68% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN INC | $508 | — | $508 | 0.16% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE ROAD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $1K | $44K | 30.18% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $485 | $29K | 19.96% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE ROAD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | — | $54K | 37.81% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $45 | $14K | 10.09% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE ROAD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $1K | $45K | 32.73% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $470 | $30K | 21.66% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE ROAD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $1K | $31K | 23.92% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $523 | $21K | 15.74% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE ROAD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | — | $49K | 37.85% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $45 | $13K | 10.22% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | DEARBORN LIFE INSURANCE COMPANY | $7K | — | $7K | 6.04% |
| JOSEPH K HALEY3 Filed as: JOSEPH A SPALLINA | 111 NORTH CANAL STREET SUITE 500 CHICAGO, IL 60606 | DEARBORN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.96% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | DEARBORN LIFE INSURANCE COMPANY | — | $723 | $723 | 0.60% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE ROAD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | — | $41K | 37.83% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $45 | $11K | 10.09% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | — | $45 | $45 | 0.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.58% |
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 | 2,998 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 374 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,861 | $15.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,200 | $2.2M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 1,963 | $120K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,200 | $2.2M |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,200 | $2.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,200 | $2.2M |
| Other(6 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,200 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,200 | — |
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.