| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| CAPTIVE RESOURCES INS SERVICES INC3 Filed as: CAPTIVE RESOURCES INSURANCE SERVICE | 1100 NORTH ARLINGTON HEIGHTS ROAD SUITE 400 ITASCA, IL 60143 | AFLAC | $913 | — | $913 | 3.88% |
| DEBORAH A GUILBEAULT3 | 120 VALLEY VIEW DRIVE ALGONQUIN, IL 60102 | AFLAC | $574 | $39 | $613 | 2.61% |
| ELIZABETH M GASPAROVIC3 | 18 NORTH SMITH STREET PALATINE, IL 60067 | AFLAC | $539 | — | $539 | 2.29% |
| KANDACE M MCCARTHY3 | 1171 HEAVENS GATE LAKE IN THE HILLS, IL 60156 | AFLAC | $298 | — | $298 | 1.27% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $161 | $9 | $170 | 0.72% |
| MICHELE M BRIGHT3 | 5105 TOLLVIEW DRIVE SUITE 285 ROLLING MEADOWS, IL 60008 | AFLAC | $155 | $9 | $164 | 0.70% |
| KELLY V ZURZOLO3 | 535 ABBEYWOOD DRIVE CARY, IL 60013 | AFLAC | $151 | — | $151 | 0.64% |
| GENE L NAUERT3 | 4505 BILLINGSGATE LANE WOODSTOCK, IL 60098 | AFLAC | $150 | — | $150 | 0.64% |
| DON J CONOYER3 | 119 OAKSHIRE DRIVE WEST GLEN CARBON, IL 62034 | AFLAC | $66 | — | $66 | 0.28% |
| CHAD L NELSON3 | 5266 NORTH KUFALK LANE BYRON, IL 61010 | AFLAC | $51 | — | $51 | 0.22% |
| LISA M HELZING3 | 620 JILL COURT DES PLAINES, IL 60018 | AFLAC | $36 | — | $36 | 0.15% |
| DEAN ANAGNOPOULOS3 | 1108 SOUTH OAKWOOD DRIVE MT PROSPECT, IL 60056 | AFLAC | $24 | — | $24 | 0.10% |
| DENNIS J CASSENS3 | 4646 EAST MARRILL ROAD BYRON, IL 61010 | AFLAC | $20 | — | $20 | 0.09% |
| KENNETH J HOFFMAN3 | N65W 13544 COBBLESTONE COURT MENOMONEE FALLS, WI 53051 | AFLAC | $19 | — | $19 | 0.08% |
| MICHAEL S MOORE3 | 2630 EAST COUNTY ROAD 1300 NORTH CARTHAGE, IL 62321 | AFLAC | $18 | — | $18 | 0.08% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PLACE LOUISVILLE, KY 40245 | AFLAC | $10 | — | $10 | 0.04% |
| WILLIAM F MURRAY III3 | 1298 SAINT PATRICK WAY SUN PRAIRIE, WI 53590 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $2 | — | $2 | 0.01% |
| JOSEPH A NASCA3 | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60010 | AFLAC | $2 | — | $2 | 0.01% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $2 | — | $2 | 0.01% |
| GREGORY J SHARP3 | 702 EAST 5TH STREET COAL VALLEY, IL 61240 | AFLAC | $2 | — | $2 | 0.01% |
| SCOTT LYDEN3 | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $2 | — | $2 | 0.01% |
| JACQUELINE GELINAS BEAULIEU3 | 131 EAST 39TH STREET APARTMENT 3 NEW YORK, NY 10016 | AFLAC | $2 | — | $2 | 0.01% |
| KNUTE NELSON3 | 920 AUTUMN SAGE WAY PFLUGERVILLE, TX 78660 | AFLAC | $2 | — | $2 | 0.01% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $2 | — | $2 | 0.01% |
| ELIZABETH A LENZO3 | 701 ALBEROSKY WAY BATAVIA, IL 60510 | AFLAC | $1 | — | $1 | 0.00% |
| STEPHEN KELLS3 | 1026 BALDWIN LANE OAK PARK, IL 60302 | AFLAC | $1 | — | $1 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $887 | — | $887 | 4.41% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| 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 COMPANY | $681 | — | $681 | 43.10% |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 215 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $71K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $76K |
| Other(6 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.