| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SVCS., INC. | 353 N CLARK ST CHICAGO, IL 60654 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 2.59% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 15.10% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $33K | $0 | $33K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON BENEFIT COMPANIES LLC | 444 W. 47TH STREET KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $25K | — | $25K | 15.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $18K | 11.05% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 10.89% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 10.89% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60604 | VISION SERVICE PLAN | $3K | — | $3K | 4.28% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $305 | $2K | 11.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MESIROW INSURANCE SERVICES INC EIN 36-3429604 BROKER | Insurance agents and brokers Service code 22 | 353 N CLARK STREET SUITE 110 CHICAGO, IL 60654 | $267K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Non-monetary compensation; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Claims processing; Float revenue Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $43K |
| UNUM LIFE INSURANCE CO. OF AMERICA EIN 01-0278678 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $32K |
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 | 1,054 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,065 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,690 | $16.7M |
| Vision | VISION SERVICE PLAN | 667 | $74K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 86 | $399K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 349 | $17K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,307 | $165K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,063 | $560K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,690 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.