| 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 | $95K | $3K | $97K | 3.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | DELTA DENTAL OF ILLINOIS | $11K | $0 | $11K | 4.59% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| 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 | $0 | $4K | 10.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 12.73% |
| RUSSELL NOWAK3 | 8009 VALLEY DRIVE PALOS HILLS, IL 60465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $248 | $0 | $248 | 1.62% |
| MICHAEL ROBERT YURCZYK3 Filed as: MICHAEL R. YURCZYK | 5810 W. 78TH STREET SUITE 210 BLOOMINGTON, MN 55439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $242 | $0 | $242 | 1.58% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $233 | $0 | $233 | 1.52% |
| ANNA ELIZABETH INC3 | 2821 N. OCEAN BLVD UNIT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | $0 | $100 | 0.65% |
| JV FLORIDA INSURANCE CORP3 | 2821 NORTH OCEAN BLVD #305 FT. LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | $0 | $77 | 0.50% |
| SUMMER L CAIN3 Filed as: SUMMER L. CAIN | 1620 ABINGTON LANE NORTH AURORA, IL 60542 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | $0 | $71 | 0.46% |
| THE PROFECTUS GROUP LLC3 Filed as: THE PROFECTUS GROUP | 30 W. RUSSELL RD COLUMBUS, OH 43215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | $0 | $69 | 0.45% |
| JEFFREY L GRACE3 Filed as: JEFFREY L. GRACE | PO BOX 5096 WHEATON, IL 60189 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | $0 | $49 | 0.32% |
| EL TORRO INC3 Filed as: EL TORRO INC. | 14031 JOHN HUMPHREY DR. ORLAND PARK, IL 60462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.26% |
| CHAD L NELSON3 Filed as: CHAD L. NELSON | 5266 N. KUFALK LANE BYRON, IL 61010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.20% |
| MESIROW INSURANCE SERVICES INC3 | 353 N. CLARK STREET CHICAGO, IL 60654 | FEDERAL INSURANCE COMPANY | $50 | $11 | $61 | 18.37% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 503 | $3.2M |
| Dental | DELTA DENTAL OF ILLINOIS | 226 | $240K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $61K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $39K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 592 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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.