| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE | 353 N. CLARK ST STE 110 CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $70K | $3K | $73K | 2.59% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N. CLARK ST STE 110 CHICAGO, IL 60654 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 4.57% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N CLARK SUITE 1200 CHICAGO, IL 60654 | THE HARTFORD LIFE AND ACCIDENT | $14K | $5K | $19K | 19.92% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL | 353 N CLARK ST SUITE 1100 CHICAGO, IL 60654 | EYEMED VISION CARE | $5K | — | $5K | 14.99% |
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 | 443 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 443 | $2.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 542 | $209K |
| Vision | EYEMED VISION CARE | 424 | $31K |
| Life insurance | THE HARTFORD LIFE AND ACCIDENT | 310 | $94K |
| Long-term disability | THE HARTFORD LIFE AND ACCIDENT | 310 | $94K |
| Other | THE HARTFORD LIFE AND ACCIDENT | 310 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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.