| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 N. CLARK ST - SUITE 400 CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $47K | $3K | $50K | 1.52% |
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS&P INSURANCE SERVICES INC. | 1900 E GOLF ROAD, SUITE 650 SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $33K | — | $33K | 1.01% |
| DARREL SCHWABE FINANCIAL SERVICES3 | PO BOX 2685 BRANDON, FL 33509 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 4.24% |
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS&P INSURANCE SERVICES INC. | 1900 E GOLF ROAD - SUITE 650 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 2.64% |
| ANGELA DUCOS3 Filed as: ANGELA L. DUCOS | 407 S. NEWPORT AVE TAMPA, FL 33606 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.59% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N. CLARK ST - SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $4K | $10K | 5.27% |
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS&P INSURANCE SERVICES INC. | 1900 E. GOLF ROAD - SUITE 650 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.40% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N CLARK - SUITE 1200 CHICAGO, IL 60654 | THE HARTFORD LIFE AND ACCIDENT | $8K | $2K | $10K | 11.70% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD - SUITE 650 SCHAUMBURG, IL 60173 | THE HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 5.91% |
| DARRELL SCHWABE FINANCIAL SERVICES3 Filed as: DARRELL SCHWABE FINANCIAL | 1369 OAKFIELD DRIVE BRANDON, FL 33511 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.76% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 EAST GOLF ROAD SCHAUMBURG, IL 60173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $968 | — | $968 | 2.45% |
| HARRISON-DAVIS INC3 Filed as: HARRISON-DAVIS INC. | 5426 BAY CENTER DRIVE-SUITE 550 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $201 | — | $201 | 0.51% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N CLARK ST CHICAGO, IL 60654 | EYEMED VISION CARE | $2K | — | $2K | 7.13% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD - #650 SCHAUMBURG, IL 60173 | EYEMED VISION CARE | $837 | — | $837 | 2.56% |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 478 | $3.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 803 | $224K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 449 | $72K |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD LIFE AND ACCIDENT | 353 | $123K |
| Long-term disability | THE HARTFORD LIFE AND ACCIDENT | 353 | $83K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 478 | $3.6M |
| Other | THE HARTFORD LIFE AND ACCIDENT | 353 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 803 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.