| 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 | BLUECROSS BLUESHIELD OF ILLINOIS | $25K | — | $25K | 0.72% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES INC. | 55 W MONROE STREET CHICAGO, IL 606035001 | BLUECROSS BLUESHIELD OF ILLINOIS | $9K | — | $9K | 0.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF ILLINOIS | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 606930001 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $6K | $6K | 0.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 606930001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.36% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SERVICES INC | 353 N CLARK STREET SUITE 1000 OAK BROOK, IL 60523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 606930001 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $4K | $7K | 4.20% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERIVCES INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.80% |
| VISTANATIONAL INSURANCE GROUP3 Filed as: VISTANATIONAL INSURANCE GROUP INC | 1415 22ND STREET SUITE 1000 OAK BROOK, IL 605232029 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $707 | $707 | 0.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON CHICAGO, IL 60604 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $2K | — | $2K | 3.45% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $1K | — | $1K | 3.20% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60610 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 10.77% |
| CSIG INS AGENCY OF IL INC3 Filed as: CSIG INSURANCE AGENCY OF ILLINOIS | 55 E JACKSON BLVD CHICAGO, IL 60604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $460 | — | $460 | 2.59% |
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 | 697 | 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) | 697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 531 | $3.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 482 | $275K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 728 | $47K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 697 | $177K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 697 | $177K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 531 | $3.4M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 697 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 728 | — |
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.