| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET, 11TH FLOOR CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $116K | $11 | $116K | 4.62% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET, 11TH FLOOR CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $2K | $2K | 0.09% |
| TRANSOM SYMPHONY OPCO3 | 205 SHELLHOUSE DRIVE RANTOUL, IL 61866 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $5 | $5 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC. | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | SUN LIFE ASSURANCE COMPANY OF CANADA | $39K | $0 | $39K | 11.75% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP. SYSTEMS | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 0.68% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 0.61% |
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, SUITE 3100 SEATTLE, WA 98101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $298 | $298 | 0.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | METLIFE LEGAL PLANS | $101 | $0 | $101 | 4.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | METLIFE LEGAL PLANS | $69 | $0 | $69 | 3.32% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | METLIFE LEGAL PLANS | $0 | $10 | $10 | 0.48% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS | $0 | $10 | $10 | 0.48% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE B-200 AUSTIN, TX 78746 | METLIFE LEGAL PLANS | $0 | $7 | $7 | 0.34% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 228 | $2.5M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 297 | $330K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 297 | $330K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 297 | $330K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 297 | $330K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 297 | $330K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 228 | $2.5M |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 297 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.