| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 2333 WAUKEGAN ROAD BANNOCKBURN, IL 60015 | BLUE CROSS BLUE SHIELD ILLINOIS | $57K | $30K | $87K | 2.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9E RIVER PARK PLACE EAST FRESNO, CA 93720 | AETNA LIFE INSURANCE COMPANY | $26K | $172 | $26K | 8.56% |
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP NEW YORK, NY 10005 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $17K | $48K | 16.59% |
| NFP INSURANCE SERVICES INC5 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.43% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $4K | $0 | $4K | 9.97% |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD ILLINOIS | 593 | $3.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 588 | $301K |
| Vision | VISION SERVICE PLAN | 296 | $41K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 341 | $288K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 341 | $288K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 341 | $288K |
| Prescription drug | BLUE CROSS BLUE SHIELD ILLINOIS | 593 | $3.8M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 341 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 593 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.