| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $51K | $4K | $55K | 2.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $20K | — | $20K | 1.07% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $8 | $8 | 0.00% |
| BENFORD CAPITAL PARTNERS MANAGEMENT3 | 121 WEST WACKER DRIVE SUITE 650 CHICAGO, IL 60601 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $5 | $5 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1050 WILSHIRE DRIVE SUITE 210 TROY, MI 48084 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1050 WILSHIRE DRIVE SUITE 210 TROY, MI 48084 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $59 | $7K | 6.19% |
| FLEXIBLE BENEFIT SERVICE CORP3 Filed as: FLEXIBLE BENEFIT SERVICE LLC | 8770 WEST BRYN MAWR AVENUE SUITE 1290W CHICAGO, IL 60631 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $30 | $6K | 4.97% |
| TRIONFO3 Filed as: TRIONFO SOLUTIONS LLC | 333 WEST PIERCE ROAD SUITE 190 ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 3.96% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $59 | $4K | 3.41% |
| FLEXIBLE BENEFIT SERVICE CORP3 Filed as: FLEXIBLE BENEFIT SERVICE LLC | 8770 WEST BRYN MAWR AVENUE SUITE 1290W CHICAGO, IL 60631 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.74% |
| 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 | 1.12% |
| LAURIE L SMITH3 Filed as: LAURIE SANDMAN | — | METROPOLITAN LIFE INSURANCE COMPANY | $201 | — | $201 | 0.17% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER ROAD SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $42 | $42 | 0.04% |
| TRIONFO3 Filed as: TRIONFO SOLUTIONS LLC | 333 WEST PIERCE ROAD SUITE 190 ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33 | $33 | 0.03% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 288 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 418 | $118K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 418 | $118K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 418 | $118K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 418 | $118K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 418 | $118K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 418 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.