| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $90K | — | $90K | 5.00% |
| MESIROW INSURANCE SERVICES INC3 | 12TH FLOOR 321 N CLARK CHICAGO, IL 60610 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 2.74% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 17.07% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 17.31% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC | 353 N. CLARK ST STE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $1K | — | $1K | 4.82% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $951 | $3K | 17.20% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $908 | $3K | 17.60% |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 156 | $1.8M |
| Dental | DELTA DENTAL OF MINNESOTA | 162 | $116K |
| Vision | VISION SERVICE PLAN | 153 | $28K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $74K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $18K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.