| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| O&A INSURANCE INC3 Filed as: O&A INSURANCE INC. | 315 EAST BAY STREET JACKSONVILLE, FL 32202 | AETNA HEALTH, INC. | $68K | — | $68K | 3.12% |
| O&A INSURANCE INC3 Filed as: O&A INSURANCE INC. | 315 EAST BAY STREET JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE COMPANY | $37K | — | $37K | 2.53% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SVCS INC | 353 N CLARK ST STE 1100 CHICAGO, IL 60610 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $5K | $22K | 19.42% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N CLARK ST SUITE 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $3K | $15K | 19.37% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SVCS INC | 353 N CLARK ST STE 1100 CHICAGO, IL 60610 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 18.66% |
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 | 523 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 546 | $3.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 546 | $1.5M |
| Vision | AETNA LIFE INSURANCE COMPANY | 546 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 644 | $112K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 644 | $153K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 644 | $91K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 644 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.