| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | $7K | $41K | 5.12% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $32K | $0 | $32K | 4.08% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $5K | $11K | 4.86% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | RELIASTAR LIFE INSURANCE COMPANY | $8K | $1K | $9K | 4.10% |
| KITTE L ALLEN3 Filed as: KITTE L. ALLEN | 1518 HERON RIDGE BOULEVARD GREENWOOD, IN 46143 | AFLAC | $9K | $559 | $9K | 9.67% |
| MJ INSURANCE3 Filed as: SVETLANA ZEITLIN AND VARIOUS AGENTS | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $2K | $49 | $2K | 1.65% |
| RICK MCPHERSON3 | 339 WEST STOP 11 ROAD INDIANAPOLIS, IN 46217 | AFLAC | $1K | $112 | $1K | 1.52% |
| ASHLEY LYNN SHAW3 | 603 EAST WASHINGTON STREET SUITE 100 INDIANAPOLIS, IN 46204 | AFLAC | $1K | $100 | $1K | 1.22% |
| CANDACE Y HILDEBRAN3 Filed as: CANDACE HILDEBRAN | 6352 MARBURN DRIVE INDIANAPOLIS, IN 46227 | AFLAC | $678 | $0 | $678 | 0.71% |
| KRISTIN SWISHER-MCFADDEN3 | 4975 LACROSS ROAD, SUITE 201 NORTH CHARLESTON, SC 29406 | AFLAC | $604 | $0 | $604 | 0.63% |
| MELANIE CUNY3 | 7148 NORTH CHELMSFORD DRIVE MCCORDSVILLE, IN 46055 | AFLAC | $481 | $0 | $481 | 0.50% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $1K | $3K | 9.70% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 4.70% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | ARAG INSURANCE COMPANY | $360 | $0 | $360 | 6.33% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | ARAG INSURANCE COMPANY | $209 | $0 | $209 | 3.67% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | GERBER LIFE INSURANCE COMPANY | $303 | $0 | $303 | 14.98% |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 331 | $792K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $27K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 338 | $230K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 338 | $230K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 338 | $230K |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 338 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.