| 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 | $10K | $3K | $13K | 19.04% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 19.11% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST STE 100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $1K | — | $1K | 5.92% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $331 | $2K | 19.03% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $1K | $344 | $1K | 19.93% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL | 1 OAKBROOK TERRACE OAKBROOK TERRACE, IL 60181 | ACE AMERICAN INSURANCE COMPANY | $855 | — | $855 | 41.48% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL | 1 OAKBROOK TERRACE OAKBROOK TERRACE, IL 60181 | ACE AMERICAN INSURANCE | $681 | — | $681 | 43.10% |
| CAPTIVE RESOURCES INS SERVICES INC3 | 1100 N ARLINGTON HEIGHTS RD STE 400 ITASCA, IL 60143 | AFLAC | $1K | — | $1K | — |
| DEBORAH A GUILBEAULT3 | 120 VALLEY VIEW DR ALGONQUIN, IL 60102 | AFLAC | $727 | $118 | $845 | — |
| ELIZABETH M GASPAROVIC3 | 18 N SMITH ST PALATINE, IL 60067 | AFLAC | $527 | — | $527 | — |
| MICHAEL WARD3 Filed as: MICHAEL M BRIGHT | 5105 TOLLVIEW DR STE 285 ROLLING MEADOWS, IL 60008 | AFLAC | $178 | $24 | $202 | — |
| MICHAEL E MCCARTHY3 | P.O. BOX 1047 DUNDEE, IL 60118 | AFLAC | $145 | $24 | $169 | — |
| KELLY V ZURZOLO3 | 875 FEINBERG CT STE 103 CARY, IL 60013 | AFLAC | $148 | — | $148 | — |
| GENE L NAUERT3 | 4505 BILLINGSGATE LN WOODSTOCK, IL 60098 | AFLAC | $139 | — | $139 | — |
| DON J CONOYER3 | 119 OAKSHIRE DR W GLEN CARBON, IL 62034 | AFLAC | $67 | — | $67 | — |
| CHAD L NELSON3 | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $50 | — | $50 | — |
| LISA M HELZING3 | 620 JILL CT DES PLAINES, IL 60018 | AFLAC | $33 | — | $33 | — |
| DEAN ANAGNOPOULOS3 | 1108 S OAKWOOD DR MT PROSPECT, IL 60056 | AFLAC | $22 | — | $22 | — |
| DENNIS J CASSENS3 | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $20 | — | $20 | — |
| MICHAEL S MOORE3 | 2630 E COUNTY RD 1300 N CARTHAGE, IL 62321 | AFLAC | $18 | — | $18 | — |
| KENNETH J HOFFMAN3 | N65W13544 COBBLESTONE CT MENOMONEE FALLS, WI 53051 | AFLAC | $18 | — | $18 | — |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $9 | — | $9 | — |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CARNBERRY TOWNSHIP, PA 16066 | AFLAC | $2 | — | $2 | — |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | AFLAC | $2 | — | $2 | — |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $2 | — | $2 | — |
| WILLIAM F MURRAY III3 | 1298 SAINT PATRICK WAY SUN PRAIRIE, WI 53590 | AFLAC | $2 | — | $2 | — |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $2 | — | $2 | — |
| GREGORY J SHARP3 | 702 E 5TH ST COAL VALLEY, IL 61240 | AFLAC | $2 | — | $2 | — |
| KNUTE NELSON3 | 3920 KIPLING AVE MINNEAPOLIS, MN 55416 | AFLAC | $2 | — | $2 | — |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO | 131 E 39TH ST APT 3 NEW YORK, NY 10016 | AFLAC | $2 | — | $2 | — |
| JOSEPH P CALARCO3 Filed as: JOSEPH NASCA | 28081 W MAPLE AVE BARRINGTON, IL 60654 | AFLAC | $2 | — | $2 | — |
| STEPHEN KELLS3 | 514 MAYFAIR CT GERMANTOWN HILLS, IL 61548 | AFLAC | $1 | — | $1 | — |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 183 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $59K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $67K |
| Other(5 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.