| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 18.23% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $7K | 18.66% |
| CAPTIVE RESOURCES INS SERVICES INC3 | 201 E COMMERCIE DRIVE SCHAUMBURG, IL 60173 | AFLAC | $776 | — | $776 | 3.98% |
| ELIZABETH M GASPAROVIC3 Filed as: ELIZABETH GASPAROVIC | 1531 W RUE JAMES PL PALATINE, IL 60067 | AFLAC | $596 | — | $596 | 3.05% |
| DEBORAH A GUILBEAULT3 Filed as: DEBORAH GUILBEAULT | 120 VALLEY VIEW DR. ALGONQUIN, IL 60102 | AFLAC | $296 | $74 | $370 | 1.90% |
| GENE L NAUERT3 Filed as: GENE NAUERT | 4505 BILLINGSGATE LANE WOODSTOCK, IL 60098 | AFLAC | $181 | — | $181 | 0.93% |
| KELLY V ZURZOLO3 Filed as: KELLY ZURZOLO | 875 FEINBERG CT. STE. 103 CARY, IL 60013 | AFLAC | $168 | — | $168 | 0.86% |
| DON J CONOYER3 Filed as: DON CONOYER | 303 HOGUE LN WYLIE, TX 75098 | AFLAC | $72 | — | $72 | 0.37% |
| MICHELE M BRIGHT3 Filed as: MICHELE BRIGHT | 9217 S ILLINOIS ROUTE 31 LK IN THE HLS, IL 60156 | AFLAC | $47 | $15 | $62 | 0.32% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 490 EAST ROOSEVELT ROAD STE 203 WEST CHICAGO, IL 60185 | AFLAC | $59 | — | $59 | 0.30% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL MCCARTHY | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $32 | $15 | $47 | 0.24% |
| LISA M HELZING3 Filed as: LISA HELZING | 620 JILL COURT DES PLAINES, IL 60018 | AFLAC | $43 | — | $43 | 0.22% |
| KENNETH J HOFFMAN3 Filed as: KENNETH HOFFMAN | N65 W13544 COBBLESTONE CT. MENOMONEE FALLS, WI 53051 | AFLAC | $35 | — | $35 | 0.18% |
| DEAN ANAGNOPOULOS3 | 1108 S OAKWOOD DR. MT. PROSPECT, IL 60056 | AFLAC | $29 | — | $29 | 0.15% |
| MICHAEL MOORE3 | 2630 E COUNTY ROAD 1300 CARTHAGE, IL 62321 | AFLAC | $18 | — | $18 | 0.09% |
| GLEN T SCHWEIKERT3 Filed as: GLEN SCHWEIKERT | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $18 | — | $18 | 0.09% |
| DENNIS J CASSENS3 Filed as: DENNIS CASSENS | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $6 | — | $6 | 0.03% |
| TIMOTHY ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $3 | — | $3 | 0.02% |
| WILLIAM F MURRAY III3 Filed as: WILLIAM MURRAY III | 1298 SAINT PATRICK SUN PRAIRIE, WI 53590 | AFLAC | $1 | — | $1 | 0.01% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SVC INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | HM LIFE INSURANCE COMPANY | $784 | — | $784 | 10.01% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $929 | $206 | $1K | 18.32% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL | 1 OAKBROOK TERRACE OAKBROOK TERRACE, IL 60181 | ACE AMERICAN INSURANCE COMPANY | $375 | — | $375 | 15.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL | 1 OAKBROOK TERRACE OAKBROOK TERRACE, IL 60181 | ACE AMERICAN INSURANCE COMPANY | $285 | — | $285 | 15.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | QUANTUM HEALTH SOLUTIONS | — | $4K | $4K | — |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 24 | $20K |
| Vision | HM LIFE INSURANCE COMPANY | 109 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $45K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 151 | $575K |
| Other(5 contracts, 4 carriers) | AFLAC | 164 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.