| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | — | BLUECROSS BLUESHIELD OF ILLINOIS | $41K | $3K | $44K | 4.12% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 NORTH CLARK STREET SUITE 1200 CHICAGO, IL 60654 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 13.74% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | — | $670 | $670 | 2.08% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL INC-COMMISSIONS | 353 NORTH CLARK STREET 6TH FLOOR CHICAGO, IL 60654 | HARTFORD LIFE AND ACCIDENT | $409 | — | $409 | 1.27% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL-CHICAGO, IL | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $747 | — | $747 | 10.04% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 159 | $1.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $75K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 110 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 113 | $32K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 113 | $32K |
| Other | HARTFORD LIFE AND ACCIDENT | 113 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.