| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $74K | $3K | $76K | 3.04% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $19 | $19 | 0.00% |
| SCRAP METAL SERVICES, LLC3 | 13830 SOUTH BRAINARD AVENUE BURNHAM, IL 60633 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $2 | $2 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SERVICES INC | 610 CENTRAL AVENUE SUITE 200 BANNOCKBURN, IL 60015 | HUMANADENTAL INSURANCE COMPANY | $13K | — | $13K | 9.86% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SERVICES INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | HUMANADENTAL INSURANCE COMPANY | — | $132 | $132 | 0.10% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 17.34% |
| MESIROW INSURANCE SERVICES INC3 | 610 CENTRAL AVENUE SUITE 200 BANNOCKBURN, IL 60015 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 9.80% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | HUMANA INSURANCE COMPANY | — | $24 | $24 | 0.10% |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 489 | $2.5M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 226 | $130K |
| Vision | HUMANA INSURANCE COMPANY | 172 | $23K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 293 | $101K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 293 | $101K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 293 | $101K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 293 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.