| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIRTUS LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $270K | — | $270K | 14.64% |
| VIRTUS LLC3 | 4550 WEST 109TH STREET SUITE 301 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 10.00% |
| VIRTUS LLC3 | 4550 WEST 109TH STREET SUITE 301 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.43% |
| VIRTUS LLC3 | 4550 WEST 109TH STREET SUITE 301 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 8.79% |
| VIRTUS LLC3 | 4550 WEST 109TH STREET SUITE 301 OVERLAND PARK, KS 66211 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 15.61% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $141 | — | $141 | 0.47% |
| VIRTUS LLC3 | 4550 WEST 109TH STREET SUITE 301 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.64% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $819 | $819 | 28.08% |
| VIRTUS LLC3 | 4550 WEST 109TH STREET SUITE 301 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $102 | — | $102 | 3.50% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22 | $416 | $438 | 24.80% |
| VIRTUS LLC3 | 4550 WEST 109TH STREET SUITE 301 OVERLANK PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12 | — | $12 | 0.68% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 353 NORTH CLARK STREET #1100 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $268 | $268 | 26.88% |
| VIRTUS LLC3 | PO BOX 875505 KANSAS CITY, MT 64187 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $63 | — | $63 | 6.32% |
| VIRTUS LLC3 | 4550 WEST 109TH STREET SUITE 301 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $383 | — | $383 | 283.70% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 NORTH CLARK STREET #1100 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $100 | $100 | 74.07% |
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 | 545 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 482 | $1.8M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 559 | $30K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 548 | $156K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 548 | $80K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 548 | $48K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 482 | $1.8M |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 548 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.