| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | BLUECROSS BLUESHIELD OF ILLINOIS | $209K | $0 | $209K | 5.36% |
| MESIROW INSURANCE SERVICES INC3 | UNKNOWN STAMFORD, CT 06902 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $3K | $3K | 0.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | SUN LIFE ASSURANCE COMPANY OF CANADA | $45K | $0 | $45K | 10.16% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 0.72% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | METLIFE LEGAL PLANS | $447 | $0 | $447 | 12.30% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS | $0 | $67 | $67 | 1.84% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | METLIFE LEGAL PLANS | $0 | $55 | $55 | 1.51% |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 94 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 415 | $3.9M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 433 | $447K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 433 | $447K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 433 | $447K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 433 | $447K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 433 | $447K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 415 | $3.9M |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 433 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.