| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $61K | $61K | 5.24% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 13.85% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 N CLARK ST. 11TH FLOOR CHICAGO, IL 60654 | GUARDIAN | $0 | $2K | $2K | 5.38% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $893 | — | $893 | 7.80% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 N CLARK ST CHICAGO, IL 60654 | METLIFE | $1K | $882 | $2K | 23.11% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 92 | $1.2M |
| Dental | GUARDIAN | 131 | $32K |
| Vision | VISION SERVICE PLAN | 84 | $11K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 105 | $49K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 47 | $36K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 105 | $44K |
| Other | METLIFE | 0 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
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.