| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $72K | $3K | $75K | 3.14% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $17 | $17 | 0.00% |
| SCRAP METAL SERVICES, LLC3 | 13830 SOUTH BRAINARD AVENUE BURNHAM, IL 60633 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $6 | $6 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SERVICES INC | 1500 SOUTH LAKESIDE DRIVE BANNOCKBURN, IL 60015 | HUMANADENTAL INSURANCE COMPANY | $9K | — | $9K | 7.34% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SERVICES INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | HUMANADENTAL INSURANCE COMPANY | — | $1K | $1K | 1.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $579 | $17K | 18.39% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SERVICES INC | 1500 SOUTH LAKESIDE DRIVE BANNOCKBURN, IL 60015 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 9.90% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | HUMANA INSURANCE COMPANY | — | $214 | $214 | 1.01% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE INC | 1500 SOUTH LAKESIDE DRIVE BANNOCKBURN, IL 60015 | HUMANADENTAL INSURANCE COMPANY | $768 | — | $768 | 7.41% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 1500 SOUTH LAKESIDE DRIVE BANNOCKBURN, IL 60015 | HUMANA INSURANCE COMPANY | $176 | — | $176 | 9.69% |
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 | 287 | 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) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 511 | $2.4M |
| Dental(2 contracts) | HUMANADENTAL INSURANCE COMPANY | 241 | $132K |
| Vision(2 contracts) | HUMANA INSURANCE COMPANY | 181 | $23K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 287 | $93K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 287 | $93K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 287 | $93K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 287 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.