| 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 | $9K | $3K | $12K | 20.19% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 19.93% |
| CAPTIVE RESOURCES INS SERVICES INC3 | 1100 N ARLINGTON HEIGHTS RD STE 400 ITASCA, IL 60143 | AFLAC | $1K | $0 | $1K | 6.30% |
| DEBORAH A GUILBEAULT3 | 120 VALLEY VIEW DR ALGONQUIN, IL 60102 | AFLAC | $990 | $26 | $1K | 5.04% |
| ELIZABETH M GASPAROVIC3 | 18 N SMITH ST PALATINE, IL 60067 | AFLAC | $499 | $0 | $499 | 2.47% |
| MICHAEL E MCCARTHY3 | P.O. BOX 1047 DUNDEE, IL 60118 | AFLAC | $217 | $5 | $222 | 1.10% |
| MICHAEL WARD3 Filed as: MICHAEL M BRIGHT | 5105 TOLLVIEW DR STE 285 ROLLING MEADOWS, IL 60008 | AFLAC | $146 | $0 | $146 | 0.72% |
| KELLY V ZURZOLO3 | 875 FEINBERG CT STE 103 CARY, IL 60013 | AFLAC | $140 | $0 | $140 | 0.69% |
| GENE L NAUERT3 | 4505 BILLINGSGATE LN WOODSTOCK, IL 60098 | AFLAC | $127 | $0 | $127 | 0.63% |
| MICHELE M BRIGHT3 | 875 FEINBERG CT STE 103 CARY, IL 60013 | AFLAC | $109 | $5 | $114 | 0.56% |
| DON J CONOYER3 | 119 OAKSHIRE DR W GLEN CARBON, IL 62034 | AFLAC | $65 | $0 | $65 | 0.32% |
| CHAD L NELSON3 | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $47 | $0 | $47 | 0.23% |
| LISA M HELZING3 | 620 JILL CT DES PLAINES, IL 60018 | AFLAC | $31 | $0 | $31 | 0.15% |
| DEAN ANAGNOPOULOS3 | 1108 S OAKWOOD DR MT PROSPECT, IL 60056 | AFLAC | $21 | $0 | $21 | 0.10% |
| DENNIS J CASSENS3 | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $19 | $0 | $19 | 0.09% |
| DENNIS J CASSENS3 | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $19 | $0 | $19 | 0.09% |
| MICHAEL S MOORE3 | 2630 E COUNTY RD 1300 N CARTHAGE, IL 62321 | AFLAC | $17 | $0 | $17 | 0.08% |
| MICHAEL S MOORE3 | 2630 E COUNTY RD 1300 N CARTHAGE, IL 62321 | AFLAC | $17 | $0 | $17 | 0.08% |
| KENNETH J HOFFMAN3 | N65W13544 COBBLESTONE CT MENOMONEE FALLS, WI 53051 | AFLAC | $16 | $0 | $16 | 0.08% |
| KENNETH J HOFFMAN3 | N65W13544 COBBLESTONE CT MENOMONEE FALLS, WI 53051 | AFLAC | $16 | $0 | $16 | 0.08% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $8 | $0 | $8 | 0.04% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CARNBERRY TOWNSHIP, PA 16066 | AFLAC | $2 | $0 | $2 | 0.01% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | AFLAC | $2 | $0 | $2 | 0.01% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $2 | $0 | $2 | 0.01% |
| STEPHEN KELLS3 | 514 MAYFAIR CT GERMANTOWN HILLS, IL 61548 | AFLAC | $2 | $0 | $2 | 0.01% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | AFLAC | $2 | $0 | $2 | 0.01% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $2 | $0 | $2 | 0.01% |
| STEPHEN KELLS3 | 514 MAYFAIR CT GERMANTOWN HILLS, IL 61548 | AFLAC | $2 | $0 | $2 | 0.01% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | AFLAC | $2 | $0 | $2 | 0.01% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $2 | $0 | $2 | 0.01% |
| STEPHEN KELLS3 | 514 MAYFAIR CT GERMANTOWN HILLS, IL 61548 | AFLAC | $2 | $0 | $2 | 0.01% |
| WILLIAM F MURRAY III3 | 1298 SAINT PATRICK WAY SUN PRAIRIE, WI 53590 | AFLAC | $2 | $0 | $2 | 0.01% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $2 | $0 | $2 | 0.01% |
| GREGORY J SHARP3 | 702 E 5TH ST COAL VALLEY, IL 61240 | AFLAC | $2 | $0 | $2 | 0.01% |
| KNUTE NELSON3 | 3920 KIPLING AVE MINNEAPOLIS, MN 55416 | AFLAC | $2 | $0 | $2 | 0.01% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $1 | $0 | $1 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST STE 100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $1K | $0 | $1K | 6.79% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $383 | $1K | 20.21% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL | 1 OAKBROOK TERRACE OAKBROOK TERRACE, IL 60181 | ACE AMERICAN INSURANCE COMPANY | $509 | $0 | $509 | 15.01% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL | 1 OAKBROOK TERRACE OAKBROOK TERRACE, IL 60181 | ACE AMERICAN INSURANCE | $335 | $0 | $335 | 15.00% |
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 | 214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 168 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $60K |
| Other(5 contracts, 5 carriers) | AFLAC | 214 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.