| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $52K | — | $52K | 2.65% |
| BENEFITS & INCENTIVES GROUP INC.3 | 1777 SOUTH HARRISON STREET SUITE 700 DENVER, CO 80210 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 0.81% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | DELTA DENTAL OF COLORADO | $7K | — | $7K | 4.17% |
| BENEFITS & INCENTIVES GROUP INC.3 Filed as: BENEFITS & INCENTIVES GROUP | 1777 SOUTH HARRISON STREET SUITE 700 DENVER, CO 80210 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 1.07% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 9.32% |
| BENEFITS & INCENTIVES GROUP INC.3 Filed as: BENEFITS AND INCENTIVES GRP INC. | 1777 SOUTH HARRISON STREET SUITE 700 DENVER, CO 80210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $452 | — | $452 | 0.68% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 13.96% |
| BENEFITS & INCENTIVES GROUP INC.3 Filed as: BENEFITS AND INCENTIVES GRP INC. | 1777 S HARRISON #700 DENVER, CO 80210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $536 | — | $536 | 1.03% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.92% |
| BENEFITS & INCENTIVES GROUP INC.3 Filed as: BENEFITS AND INCENTIVES GROUP INC. | 1777 SOUTH HARRISON SUITE 700 DENVER, CO 80210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $390 | — | $390 | 1.08% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 606543454 | VISION SERVICE PLAN | $739 | — | $739 | 3.73% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 364 | $2.0M |
| Dental | DELTA DENTAL OF COLORADO | 364 | $165K |
| Vision | VISION SERVICE PLAN | 155 | $20K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 166 | $103K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 166 | $52K |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 364 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.