| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | DELTA DENTAL OF ILLINOIS | $13K | $0 | $13K | 5.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 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 | $5K | $0 | $5K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 353 N CLARK ST FL 11 CHICAGO, IL 606543454 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SER INC | 353 N CLARK ST 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $522 | $0 | $522 | 1.82% |
| MESIROW INSURANCE SERVICES INC3 | ATTN LEGAL COMP 353 NORTH CLARK STREET CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $575 | $0 | $575 | 2.59% |
| RUSSELL NOWAK3 | 8009 VALLEY DRIVE PALOS HILLS, IL 60465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $565 | $0 | $565 | 2.55% |
| MICHAEL ROBERT YURCZYK3 | 701 N. 2ND STREET #602 MINNEAPOLIS, MN 55401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $346 | $0 | $346 | 1.56% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | $0 | $116 | 0.52% |
| JV FLORIDA INSURANCE CORP3 | 2821 NORTH OCEAN BLVD UNIT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | $0 | $109 | 0.49% |
| ANNA ELIZABETH INC3 | 2821 N OCEAN BLVD APT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | $0 | $102 | 0.46% |
| SUMMER L CAIN3 | 10040 W CHEYENNE AVE SUITE 170-249 LAS VEGAS, NV 89129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | $0 | $102 | 0.46% |
| THE PROFECTUS GROUP LLC3 Filed as: THE PROFECTUS GROUP MIDWEST, LLC | THE PROFECTUS GROUP, LLC 450 WEST WILSON BRIDGE ROAD STE 110 WORTHINGTON, OH 43085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | $0 | $78 | 0.35% |
| JEFFREY LEON GRACE3 | 1123 RHODES CT WHEATON, IL 60187 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | $0 | $64 | 0.29% |
| EL TORRO INC3 | 5425 MILLS RIDGE DR SW WYOMING, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | $0 | $52 | 0.23% |
| CHAD L NELSON3 | 5266 N KUFALK LANE BYRON, IL 61010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | $0 | $45 | 0.20% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 353 N. CLARK STREET CHICAGO, IL 60654 | FEDERAL INSURANCE COMPANY | $2K | $0 | $2K | 16.15% |
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 | 272 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 513 | $4.1M |
| Dental | DELTA DENTAL OF ILLINOIS | 245 | $268K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $82K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $47K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 592 | $114K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.