Form 5500 · Employee benefit plan · DEERFIELD, IL
ALERA GROUP, INC.
The filing calls this plan ALERA GROUP, INC. WELFARE BENEFITS PLAN.
ALERA GROUP, INC. of DEERFIELD, IL is a 4,351-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is YARBROUGH KENNETH C. Coverage is written through PREMERA BLUE CROSS and 7 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 81-4473358 · plan 501 · plan year 2025, filed Jul 15, 2026
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2,668 other employer plans in Illinois have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Dental: CIGNA HEALTH AND LIFE INSURANCE COMPANY covers 317 of 4,351 participants (7.3%) on Schedule A.
3 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 12 insured contracts covering health, dental, life and disability.
The filing declares health, dental, life, disability and vision. Vision appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 3 contracts here that do not say what they cover.
Reported premium across the insured contracts is $13,692,867, with $424,338 in disclosed broker commissions — about 3.1% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
YARBROUGH KENNETH C is the broker of record on 3 of the 12 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 397 | Jan 1, 2026 | $437,859 | $205,072 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 154 | Jan 1, 2026 | $1,524,123 | $70,242 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 4,554 | Jan 1, 2026 | $2,041,283 | $35,191 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 82 | Jan 1, 2026 | $663,500 | $33,081 |
| PREMERA BLUE CROSS | Health | 879 | Jan 1, 2026 | $6,648,374 | $27,865 |
| PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | Disability | 49 | Jan 1, 2026 | $42,425 | $22,611 |
| UNUM INSURANCE COMPANY | — | 1,980 | Jan 1, 2026 | $308,478 | $17,410 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 11 | Jan 1, 2026 | $16,785 | $8,126 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 2,159 | Jan 1, 2026 | $1,529,903 | $2,669 |
| FEDERAL INSURANCE COMPANY | — | 4,554 | Jan 1, 2026 | $13,808 | $2,071 |
| UNUM INSURANCE COMPANY | — | 1,959 | Jan 1, 2026 | $409,964 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 317 | Jan 1, 2026 | $56,365 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
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