| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | ONE OAKBROOK TERRACE STE 500 OAKBROOK TERRACE, IL 60181 | BLUECROSS BLUESHIELD OF ILLINOIS | $2K | $24K | $26K | 0.17% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST, STE 1100 CHICAGO, IL 606543454 | VISION SERVICE PLAN | $4K | — | $4K | 1.96% |
| HEALTH CARE SERVICES CORP3 | 300 EAST RANDOLPH DRIVE CHICAGO, IL 60603 | FOUR EVER LIFE INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| MESIROW INSURANCE SERVICES INC3 | 1500 S LAKESIDE DRIVE BANNOCKBURN, IL 60015 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 4.50% |
| MESIROW INSURANCE SERVICES INC3 | 1500 S LAKESIDE DR BANNOCKBURN, IL 60015 | UNITED DENTAL CARE OF ARIZONA, INC | $352 | — | $352 | 14.38% |
| MESIROW INSURANCE SERVICES INC3 | 1500 S LAKESIDE DRIVE BANNOCKBURN, IL 60015 | UDC DENTAL OF CALIFORNIA, INC | $83 | — | $83 | 10.05% |
| MESIROW INSURANCE SERVICES INC3 | 1500 S LAKESIDE DRIVE BANNOCKBURN, IL 60015 | UNION SECURITY DENTALCARE OF NEW JERSEY, INC | $2K | — | $2K | 264.69% |
| MESIROW INSURANCE SERVICES INC3 | 1500 S LAKESIDE DRIVE BANNOCKBURN, IL 60015 | UNITED DENTAL CARE OF TEXAS, INC | $368 | — | $368 | 287.50% |
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 | 1,910 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,959 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 4,132 | $15.5M |
| Dental(11 contracts, 11 carriers) | DELTA DENTAL OF ILLINOIS | 1,214 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,292 | $220K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 4,132 | $15.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,132 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.