| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60610 | BLUECROSS BLUESHIELD OF ILLINOIS | $71K | $35K | $106K | 1.85% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SERVICES INC | 353 N. CLARK STREET CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 200 S WACKER DR #3030 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $12K | $12K | 4.72% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N CLARK ST STE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $2K | $11K | 6.03% |
| J MANNING AND ASSOCIATES3 Filed as: J. MANNING & ASSOCIATES | 220 N GREEN ST. CHICAGO, IL 60607 | LIFESECURE INSURANCE COMPANY | $3K | — | $3K | 4.39% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | LIFESECURE INSURANCE COMPANY | $1K | — | $1K | 2.20% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 100 FIELD DR LAKE FOREST, IL 60045 | LIFESECURE INSURANCE COMPANY | $485 | — | $485 | 0.73% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N CLARK ST STE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $954 | $4K | 6.50% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $2K | $6K | 12.37% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $701 | — | $701 | 2.30% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA V REDDING | 71 COUNTRY CLUB DR BLOOMINGDALE, IL 60108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $362 | — | $362 | 1.19% |
| RUSSELL NOWAK3 | 8009 VALLEY DRIVE PALOS HILLS, IL 60465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $345 | — | $345 | 1.13% |
| COURTNEY RYAN YURCZYK3 Filed as: COURTNEY S YURCZYK | 9616 WYOMING TERRACE SOUTH BLOOMINGTON, MN 55438 | CONTINENTAL AMERICAN INSURANCE COMPANY | $338 | — | $338 | 1.11% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $259 | — | $259 | 0.85% |
| MICHAEL ROBERT YURCZYK3 Filed as: MICHAEL R YURCZYK | 5810 W. 78TH STREET SUITE 210 BLOOMINGTON, MN 55439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $246 | — | $246 | 0.81% |
| EL TORRO INC3 Filed as: EL TORRO INC. | 5425 MILLS RIDGE DR SW WYOMING, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $195 | — | $195 | 0.64% |
| THE PROFECTUS GROUP LLC3 | 450 WEST WILSON BRIDGE ROAD STE 110 WORTHINGTON, OH 43085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | — | $122 | 0.40% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | — | $92 | 0.30% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.21% |
| VICKI L CIGER3 | 4020 OAK TREE LANE PLAINFIELD, IL 60586 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.18% |
| ANN ELIZABETH INC3 | 4821 N OCEAN BLVD UNITE 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.13% |
| VICKI L CIGER3 | 4020 OAK TREE LANE PLAINFIELD, IL 60586 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.12% |
| TODD DEVOSS3 | 321 N. CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.10% |
| JEFFREY LYNN LAMBERT3 Filed as: JEFFREY L LAMBERT | 7 CENTER STREET HINSDALE, IL 60521 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.09% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.09% |
| SYLVESTER SCHAFF3 | 2124 WASHINGTON AVENUE WILMETTE, IL 60091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.08% |
| MICHAEL T PETERS3 | 4415 WEST HARRISON STREET HILLSIDE, IL 60162 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.06% |
| JV FLORIDA INSURANCE CORP3 | 2821 NORTH OCEAN BLVD #305 FT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.06% |
| H J SAMAAN INC3 Filed as: HJ SAMAAN INC | 19W152 21ST PLACE LOMBARD, IL 60148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N CLARK ST STE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $601 | $173 | $774 | 6.44% |
| J MANNING AND ASSOCIATES3 Filed as: J MANNING & ASSOCIATES | — | COMBINED INSURANCE | $30K | — | $30K | — |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | — | COMBINED INSURANCE | $18K | — | $18K | — |
| LTCI PARTNERS LLC3 | — | COMBINED INSURANCE | $12K | — | $12K | — |
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 | 563 | 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) | 563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 817 | $5.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 411 | $264K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 602 | $52K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 563 | $179K |
| Long-term disability(2 contracts, 2 carriers) | LIFESECURE INSURANCE COMPANY | 497 | $130K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 563 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 817 | — |
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.