| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $17K | $5 | $17K | 1.25% |
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | BLUECROSS BLUESHIELD OF ILLINOIS | $10K | $1K | $11K | 0.83% |
| MCDERMOTT CENTER DBA HAYMARKET CENT3 | 932 WEST WASHINGTON BOULEVARD CHICAGO, IL 60607 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 7.80% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 2.03% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL | 353 NORTH CLARK STREET CHICAGO, IL 60654 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| KRISTI L HARSHBARGER3 Filed as: KRISTI HARSHBARGER | 220 WEST ILLINOIS STREET UNIT 1201 CHICAGO, IL 60654 | AFLAC | $2K | $273 | $2K | 9.45% |
| MESIROW INSURANCE SERVICES INC3 | 321 NORTH CLARK STREET CHICAGO, IL 60654 | AFLAC | $1K | — | $1K | 5.95% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | AFLAC | $460 | $55 | $515 | 2.48% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES LTD | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | AFLAC | $362 | $55 | $417 | 2.01% |
| SANTIAGO & ASSOCIATES LLC3 | 950 WEST NORTON AVENUE SUITE 201 MUSKEGON, MI 49441 | AFLAC | $384 | — | $384 | 1.85% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS & ASSOCIATES LLC | 950 WEST NORTON AVENUE SUITE 201 MUSKEGON, MI 49441 | AFLAC | $159 | — | $159 | 0.77% |
| JOHN H VRATSINAS3 Filed as: JOHN VRATSINAS | 401 NORTH BIRCH ROAD UNIT 1112 FORT LAUDERDALE, FL 33304 | AFLAC | $148 | — | $148 | 0.71% |
| ANNA ELIZABET RECCHIA3 Filed as: ANNA RECCHIA | 401 NORTH BIRCH ROAD UNIT 1112 FORT LAUDERDALE, FL 33304 | AFLAC | $148 | — | $148 | 0.71% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 360 WEST ILLINOIS STREET APT 9A CHICAGO, IL 60654 | AFLAC | $122 | — | $122 | 0.59% |
| JOEY D JENKINS3 Filed as: JOEY JENKINS | 14341 MINERVA AVENUE DOLTON, IL 60419 | AFLAC | $48 | — | $48 | 0.23% |
| JOHN COOPER3 | 1872 EAST 158TH STREET SOUTH HOLLAND, IL 60473 | AFLAC | $38 | — | $38 | 0.18% |
| KAREN FRAZIER3 | 1527 SOUTH RIDGEWAY AVENUE FRONT 1 CHICAGO, IL 60623 | AFLAC | $16 | — | $16 | 0.08% |
| RODNEY TROTTMAN3 | 16754 MANOR DRIVE SOUTH HOLLAND, IL 60473 | AFLAC | $14 | — | $14 | 0.07% |
| TODD DEVOSS3 | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $13 | — | $13 | 0.06% |
| ROBERT CZERWINSKI3 | 3512 STONE CREEK COURT JOLIET, IL 60435 | AFLAC | $12 | — | $12 | 0.06% |
| JOSEPH P CALARCO3 Filed as: JOSEPH NASCA | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60010 | AFLAC | $11 | — | $11 | 0.05% |
| JACQUELIN BRUCE3 | 302 WEST WASHINGTON STREET MORRIS, IL 60450 | AFLAC | $10 | — | $10 | 0.05% |
| ADAM H MICHAELS3 Filed as: ADAM H MICHAELS & ASSOCIATES LTD | 2922 CORDA LANE LOS ANGELAS, CA 90049 | AFLAC | $10 | — | $10 | 0.05% |
| JENNIFER R GLASSBERG3 Filed as: JENNIFER GLASSBERG | 307 LIVE OAK LANE BOYNTON BEACH, FL 33436 | AFLAC | $10 | — | $10 | 0.05% |
| STEVEN T SPEICHINGER3 Filed as: STEVEN SPEICHINGER | 210 KENT STREET WAUSAU, WI 54403 | AFLAC | $8 | — | $8 | 0.04% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 23 CROYDON LANE OAK BROOK, IL 60523 | AFLAC | $8 | — | $8 | 0.04% |
| LATOIA SWEEZER3 | 1510 HEATHER DRIVE AURORA, IL 60506 | AFLAC | $6 | — | $6 | 0.03% |
| MARC D BARNES3 Filed as: MARC BARNES | 4004 CLINTON AVENUE BERWYN, IL 60402 | AFLAC | $3 | — | $3 | 0.01% |
| ELIZABETH M GASPAROVIC3 Filed as: ELIZABETH GASPAROVIC | 18 NORTH SMITH STREET PALATINE, IL 60067 | AFLAC | $2 | — | $2 | 0.01% |
| CHRISTINE L BREWSTER3 Filed as: CHRISTINE BREWSTER | 1312 FARLEY LANE CHAMPAIGN, IL 61822 | AFLAC | $1 | — | $1 | 0.00% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | 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)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 140 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $220K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $220K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $220K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $220K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $220K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 320 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.