| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MID AMERICAN GROUP, INC.3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $16K | $4K | $19K | 1.84% |
| AXION RMS LTD3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $13K | — | $13K | 1.22% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | — | BLUECROSS BLUESHIELD OF ILLINOIS | $12K | — | $12K | 1.14% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 760 PASOUINELLI DRIVE SUITE 358 WESTMONT, IL 60559 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $7K | $4K | $11K | 20.05% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.57% |
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | HUMANADENTAL INSURANCE COMPANY | $3K | — | $3K | 7.14% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | HUMANADENTAL INSURANCE COMPANY | $1K | — | $1K | 2.42% |
| MID AMERICAN GROUP, INC.3 | 760 PASQUINELLI DRIVE WESTMONT, IL 60559 | HUMANADENTAL INSURANCE COMPANY | $199 | — | $199 | 0.43% |
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | COMPBENEFITS INSURANCE COMPANY | $818 | — | $818 | 6.79% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | COMPBENEFITS INSURANCE COMPANY | $288 | — | $288 | 2.39% |
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP, INC | 760 PASQUINELLI DRIVE SUITE 358 WESTMONT, IL 60559 | COMPBENEFITS INSURANCE COMPANY | $99 | — | $99 | 0.82% |
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | COMPBENEFITS DENTAL, INC. | $813 | — | $813 | 7.05% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | COMPBENEFITS DENTAL, INC. | $282 | — | $282 | 2.45% |
| MID AMERICAN GROUP, INC.3 | 760 PASQUINELLI DRIVE SUITE 358 WESTMONT, IL 60559 | COMPBENEFITS DENTAL, INC. | $58 | — | $58 | 0.50% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 181 | $1.0M |
| Dental(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 77 | $57K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 96 | $12K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 169 | $55K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 169 | $55K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 169 | $55K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 169 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
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.