| 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 | $4K | $59K | $63K | 1.11% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE INC | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED HEALTHCARE INSURANCE COMPANY | — | $22K | $22K | 0.39% |
| MESIROW INSURANCE SERVICES INC3 | 353 N. CLARK ST. CHICAGO, IL 60654 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 200 S WACKER DR #3030 CHICAGO, IL 60606 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 3.24% |
| 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 | $6K | $2K | $8K | 6.68% |
| J MANNING AND ASSOCIATES3 Filed as: J. MANNING & ASSOCIATES | 1034 N ASHLAND AVE CHICAGO, IL 60622 | LIFESECURE INSURANCE COMPANY | $3K | — | $3K | 5.13% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | LIFESECURE INSURANCE COMPANY | $2K | — | $2K | 2.57% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 100 FIELD DR LAKE FOREST, IL 60045 | LIFESECURE INSURANCE COMPANY | $522 | — | $522 | 0.86% |
| 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 | $2K | $828 | $3K | 6.87% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA V REDDING | 71 COUNTRY CLUB DR. BLOOMINGDALE, IL 60108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $693 | — | $693 | 2.02% |
| COURTNEY RYAN YURCZYK3 Filed as: COURTNEY S YURCZYK | 9616 WYOMING TERRACE SOUTH BLOOMINGTON, MN 55438 | CONTINENTAL AMERICAN INSURANCE COMPANY | $648 | — | $648 | 1.89% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC | 353 NORTH CLARK ST CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $648 | — | $648 | 1.89% |
| MICHAEL ROBERT YURCZYK3 Filed as: MICHAEL R YURCZYK | 5810 W. 78TH SUITE 210 BLOOMINGTON, MN 55439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $409 | — | $409 | 1.19% |
| RUSSELL NOWAK3 | 8009 VALLEY DR. PALOS HILLS, IL 60465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $267 | — | $267 | 0.78% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | — | $174 | 0.51% |
| ANNA ELIZABETH INC3 Filed as: ANNA E RECCHIA | 401 N BIRCH RD UNIT 1112 FORT LAUDERDALE, FL 33304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $155 | — | $155 | 0.45% |
| JOHN H VRATSINAS3 | 401 N BIRCH RD UNIT 1112 FT LAUERDALE, FL 33304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 0.28% |
| TODD DEVOSS3 | 321 N CLARK ST SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.16% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.14% |
| VICKI L CIGER3 | 1507 BALTZ DR. JOLIET, IL 60431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.14% |
| SYLVESTER SCHAFF3 | 2124 WASHINGTON AVE. WILMETTE, IL 60091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.10% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOW N HILLS, IL 61568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.10% |
| MICHAEL T PETERS3 | 4415 WEST HARRISON ST HILLSIDE, IL 60162 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.08% |
| THOMAS R SCHOOLAR3 | 126 SAMANTHA RD HUNTSVILLE, AL 35806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.07% |
| H J SAMAAN INC3 Filed as: HJ SAMAAN INC | 19W 152 21ST PLACE LOMBARD, IL 60148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.05% |
| 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 | $438 | $158 | $596 | 6.80% |
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 | 829 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 829 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 829 | $5.6M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 392 | $281K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 528 | $125K |
| Long-term disability(2 contracts, 2 carriers) | LIFESECURE INSURANCE COMPANY | 430 | $105K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 528 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 829 | — |
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.