| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 N. CLARK STREET CHICAGO, IL 60654 | ANTHEM BLUE CROSS BLUE SHIELD | $32K | — | $32K | 4.01% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE INC | 353 N. CLARK STREET FLOOR 11 CHICAGO, IL 60654 | STARMOUNT LIFE INSURANCE | $4K | — | $4K | 7.20% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE INC | 353 N. CLARK STREET STE 1100 CHICAGO, IL 60654 | CIGNA GROUP INSURANCE | $539 | $466 | $1K | 5.59% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE INC | 353 N. CLARK STREET STE 1100 CHICAGO, IL 60654 | CIGNA GROUP INSURANCE | $877 | $257 | $1K | 9.05% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE INC | 353 N. CLARK STREET STE 400 CHICAGO, IL 60654 | EYE MED | $845 | — | $845 | 11.03% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE INC | 353 N. CLARK STREET STE 1100 CHICAGO, IL 60654 | CIGNA GROUP INSURANCE | $289 | $26 | $315 | 18.93% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE INC | 353 N. CLARK STREET STE 1100 CHICAGO, IL 60654 | CIGNA GROUP INSURANCE | $45 | $37 | $82 | 5.48% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS BLUE SHIELD | 149 | $794K |
| Dental | STARMOUNT LIFE INSURANCE | 100 | $55K |
| Vision | EYE MED | 127 | $8K |
| Life insurance(2 contracts) | CIGNA GROUP INSURANCE | 100 | $30K |
| Other(3 contracts) | CIGNA GROUP INSURANCE | 100 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.