| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N CLARK CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $34K | — | $34K | 11.70% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N CLARK ST. CHICAGO, IL 60654 | BLUECROSS BLUE SHIELD OF ILLINOIS | — | $4K | $4K | 1.51% |
| THE COCHLAN GROUP3 | ONE WALKER AVE 3RD FL CLAREDON HILLS, IL 60514 | AFLAC | $2K | — | $2K | 1.87% |
| ALEXANDER KINSEL3 Filed as: ALEXANDER NEGRONIDA | 3007 N CLIFTON AVE #202 CHICAGO, IL 60657 | AFLAC | $1K | — | $1K | 1.12% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $1K | — | $1K | 0.95% |
| NIKERINA INC3 | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $1K | — | $1K | 0.94% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES LTD | 303 ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $773 | — | $773 | 0.69% |
| AIDA E VER PLOEG3 | 831 W ALTGELD ST #3 CHICAGO, IL 60614 | AFLAC | $277 | — | $277 | 0.25% |
| NATHANIEL S GARCIA3 | 10101 SUTTON DR UNIT 5 URBANDALE, IA 50322 | AFLAC | $127 | — | $127 | 0.11% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $2K | — | $2K | 3.88% |
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 | 455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF ILLINOIS | 841 | $284K |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 862 | $291K |
| Vision | VISION SERVICE PLAN | 260 | $45K |
| Life insurance | AFLAC | 22 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 862 | — |
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.