| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $89K | $2K | $92K | 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 | $12K | — | $12K | 5.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 14.31% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 14.39% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $1K | $3K | 14.25% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.58% |
| RUSSELL NOWAK3 | 8009 VALLEY DRIVE PALOS HILLS, IL 60465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $717 | — | $717 | 3.43% |
| MICHAEL ROBERT YURCZYK3 Filed as: MICHAEL R YURCZYK | 5810 W 78TH STREET SUITE 210 BLOOMINGTON, MN 55439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $296 | — | $296 | 1.42% |
| MARTIN J LEWIS3 | 900 N KINGSBURY AVE CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $209 | — | $209 | 1.00% |
| EL TORRO INC3 Filed as: EL TORRO, INC. | 900 N KINGSBURY ST APT 823 CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $194 | — | $194 | 0.93% |
| ANNA ELIZABETH INC3 | 2821 N OCEAN BLVD UNIT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157 | — | $157 | 0.75% |
| JV FLORIDA INSURANCE CORP3 | 2821 NORTH OCEAN BLVD #305 FT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.45% |
| SUMMER L CAIN3 | 1620 ABINGTON LANE NORTH AURORA, IL 60542 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | — | $88 | 0.42% |
| JEFFREY L GRACE3 | PO BOX 5096 WHEATON, IL 60189 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.29% |
| CHAD L NELSON3 | 5266 N KUFALK LANE BYRON, IL 61010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.18% |
| MESIROW INSURANCE SERVICES INC3 | 353 N. CLARK STREET CHICAGO, IL 60654 | FEDERAL INSURANCE COMPANY | $890 | — | $890 | 15.00% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 493 | $3.0M |
| Dental | DELTA DENTAL OF ILLINOIS | 223 | $245K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 297 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $36K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 541 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.