| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK CHICAGO, IL 606544704 | BLUECROSS BLUESHIELD OF ILLINOIS | $79K | $2K | $81K | 3.06% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | DELTA DENTAL OF ILLINOIS | $11K | $0 | $11K | 5.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST STE 1100 CHICAGO, IL 606543454 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 15.88% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N CLARK ST STE 1100 CHICAGO, IL 606543454 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.02% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MICHAEL ROBERT YURCZYK3 Filed as: MICHAEL R YURCZYK | 111 W JACKSON BLVD, 17TH FLOOR CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $387 | — | $387 | 2.95% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURNACE SERVICES, INC. | 353 NORTH CLARK ST CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $339 | — | $339 | 2.58% |
| RUSSELL NOWAK3 | 8009 VALLEY DRIVE PALOS HILLS, IL 60465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $232 | — | $232 | 1.77% |
| JOHN H VRATSINAS3 | 1142 WEST MADSION, #305 CHICAGO, IL 60607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $207 | — | $207 | 1.58% |
| SUMMER L CAIN3 | 1620 ABINGTON LANE NORTH AURORA, IL 60542 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | — | $114 | 0.87% |
| JEFFREY L GRACE3 | PO BOX 5096 WHEATON, IL 60189 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.59% |
| CHAD L NELSON3 | 490 EAST ROOSEVELT RD, SUITE 203 WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.37% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 487 | $2.7M |
| Dental | DELTA DENTAL OF ILLINOIS | 209 | $219K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $51K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 26 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $32K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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.