| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 NORTH CLARK STREET STE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $148K | $148K | 5.19% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SERVICES INC | 353 N CLARK STREET CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $6K | $12K | 5.53% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERIVCES INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 310 N CAUSEWAY BLVD STE 200 METAIRIE, LA 70002 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.76% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $3K | — | $3K | 7.87% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST 12 FLOOR CHICAGO, IL 60610 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $369 | $5K | 16.45% |
| UNITED BENEFITS ADVISORS INC3 | 10 WUNSHINE LN RED LION, PA 17356 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $69 | $69 | 0.24% |
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 | 647 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 514 | $2.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 447 | $214K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 794 | $32K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 858 | $165K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 858 | $165K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 514 | $2.8M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 858 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 858 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.