| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N. CLARK ST. STE. 1100 CHICAGO, IL 60654 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $19K | $7K | $26K | 13.56% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 6312 S. FDL. GN. CIR. STE. 550E GREENWOOD VILLAGE, CO 801115066 | VISION SERVICE PLAN | $2K | — | $2K | 3.81% |
| ROCKWELL & ASSOCIATES3 | 303 WEST ERIE ST. SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.15% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $963 | — | $963 | 3.70% |
| NASCA & ASSOCIATES3 | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $368 | — | $368 | 1.41% |
| BANK CONSULTING GROUP3 | ONE WALKER AVE. 3RD. CLARENDON HILLS, IL 60514 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | — | $220 | 0.85% |
| MARY C CHOJNACKI3 Filed as: MARY C. CHOJNACKI | 1260 OLDE FARM RD. APT. 302 SCHAUMBURG, IL 60173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $219 | — | $219 | 0.84% |
| NIKERINA INC3 Filed as: NIKERINA, INC. | 303 WEST ERIE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $206 | — | $206 | 0.79% |
| MARK D BARBIER3 Filed as: MARK D. BARBIER | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $153 | — | $153 | 0.59% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 303 WEST ERIE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | — | $110 | 0.42% |
| TODD DEVOSS3 | 321 N. CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.19% |
| JOSEPH A NASCA3 Filed as: JOSEPH A. NASCA | 28081 W. MAPLE AVE. BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.18% |
| ANNA ELIZABETH INC3 Filed as: ANNA E. RECCHIA | 1142 W. MADISON #305 CHICAGO, IL 60607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| JOHN H VRATSINAS3 Filed as: JOHN H. VRATSINAS | 1142 WEST MADISON #305 CHICAGO, IL 60607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| THE COCHLAN GROUP3 | ONE WALKER AVE. 3RD FL CLAREDON HILLS, IL 60514 | AFLAC | $1K | — | $1K | 6.66% |
| ALEXANDER KINSEL3 Filed as: ALEXANDER NEGRONIDA | 3007 N. CLIFTON AVE. #202 CHICAGO, IL 60657 | AFLAC | $689 | $282 | $971 | 5.45% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES, LTD | 303 W. ERIE ST. STE. 400 CHICAGO, IL 60654 | AFLAC | $671 | $88 | $759 | 4.26% |
| NIKERINA INC3 Filed as: NIKERINA, INC. | 303 W. ERIE ST. STE. 400 CHICAGO, IL 60654 | AFLAC | $484 | $159 | $643 | 3.61% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES, LTD | 303 W. ERIE ST. STE. 400 CHICAGO, IL 60654 | AFLAC | $497 | $99 | $596 | 3.35% |
| AIDA E VER PLOEG3 Filed as: AIDA E. VERPLOEG | 831 W. ALTGELD ST. #3 CHICAGO, IL 60614 | AFLAC | $133 | $53 | $186 | 1.04% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 321 N. CLARK STREET CHICAGO, IL 60610 | AFLAC | $132 | — | $132 | 0.74% |
| NATHANIEL S GARCIA3 Filed as: NATHANIEL S. GARCIA | 10101 SUTTON DR. UNIT 5 URBANDALE, IA 50322 | AFLAC | $81 | $11 | $92 | 0.52% |
| DANIEL A MARINEZ3 Filed as: DANIEL MARINEZ | 303 W. ERIE ST. STE. 400 CHICAGO, IL 60654 | AFLAC | $76 | — | $76 | 0.43% |
| MARICELA DELGADO3 | 3607 W. DIVERSEY AVE. CHICAGO, IL 60647 | AFLAC | $46 | — | $46 | 0.26% |
| ANNA ELIZABET RECCHIA3 | 7 S. ABERDEEN ST. APT. 2C CHICAGO, IL 60607 | AFLAC | $16 | — | $16 | 0.09% |
| JOHN H VRATSINAS3 Filed as: JOHN H. VRATSINAS | 1142 W. MADISON ST. UNIT 305 CHICAGO, IL 60607 | AFLAC | $16 | — | $16 | 0.09% |
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 | 452 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 267 | $48K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 452 | $193K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 452 | $193K |
| Other(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 452 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.