| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $59K | $61K | 0.98% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED HEALTHCARE INSURANCE COMPANY | — | $20K | $20K | 0.32% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | HUMANA | $17K | $1K | $18K | 8.04% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 5.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N CLARK ST STE 1100 CHICAGO, IL 60610 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.00% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA V REDDING | 71 COUNTRY CLUB DR BLOOMINGDALE, IL 60108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $776 | — | $776 | 1.92% |
| COURTNEY RYAN YURCZYK3 Filed as: COURTNEY S YURCYK | 9616 WYOMING TERRACE SOUTH BLOOMINGTON, MN 55438 | CONTINENTAL AMERICAN INSURANCE COMPANY | $727 | — | $727 | 1.80% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $667 | — | $667 | 1.65% |
| MICHAEL ROBERT YURCZYK3 Filed as: MICHAEL R YURCZYK | 5810 W 78TH ST SUITE 210 BLOOMINGTON, MN 55439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $531 | — | $531 | 1.32% |
| THOMAS R SCHOOLAR3 | 126 SAMANTHA RD HUNTSVILLE, AL 35806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $212 | — | $212 | 0.53% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $194 | — | $194 | 0.48% |
| VICKI L CIGER3 | 4020 OAK TREE LANE PLAINFIELD, IL 60586 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157 | — | $157 | 0.39% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $154 | — | $154 | 0.38% |
| RUSSELL NOWAK3 | 8009 VALLEY DR PALOS HILLS, IL 60465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | — | $136 | 0.34% |
| VICKI L CIGER3 | 1507 BALTZ DR JOLIET, IL 60431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.21% |
| JEFFREY LYNN LAMBERT3 Filed as: JEFFREY L LAMBERT | 7 CENTER ST HINSDALE, IL 60521 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.19% |
| TODD DEVOSS3 | 321 N CLARK ST SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.16% |
| ANNA ELIZABETH INC3 Filed as: ANNA E RECCHIA | 1142 W MADISON #305 CHICAGO, IL 60607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.15% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.14% |
| JOHN H VRATSINAS3 | 1142 W MADISON #305 CHICAGO, IL 60607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.09% |
| JOHNSON SCHAFF3 | 2124 WASHINGTON AVE WILMETTE, IL 60091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.08% |
| MICHAEL T PETERS3 | 4415 W HARRISON ST HILLSIDE, IL 60162 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.06% |
| H J SAMAAN INC3 Filed as: HJ SAMAAN INC | 19W152 21ST PLACE LOMBARD, IL 60148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.04% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 133 W 22ND ST NEW YORK, NY 10011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N. CLARK ST STE 1100 CHICAGO, IL 60610 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $512 | — | $512 | 5.00% |
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 | 861 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 861 | $6.2M |
| Dental | HUMANA | 226 | $229K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 588 | $138K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 588 | $54K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 588 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 861 | — |
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."
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.