| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $109K | $6K | $115K | 2.18% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SERVICES INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 4.95% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 5.00% |
| J MANNING AND ASSOCIATES3 | — | COMBINED INSURANCE | $8K | — | $8K | 9.14% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | — | COMBINED INSURANCE | $5K | — | $5K | 5.49% |
| LTCI PARTNERS LLC3 | — | COMBINED INSURANCE | $3K | — | $3K | 3.66% |
| J MANNING AND ASSOCIATES3 Filed as: J. MANNING & ASSOCIATES | 220 NORTH GREEN STREET CHICAGO, IL 60607 | LIFESECURE INSURANCE COMPANY | $3K | — | $3K | 4.37% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | LIFESECURE INSURANCE COMPANY | $1K | — | $1K | 2.19% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BOULEVARD SAN ANTONIO, TX 78232 | LIFESECURE INSURANCE COMPANY | $465 | — | $465 | 0.73% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 11.07% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $423 | — | $423 | 1.87% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA V REDDING | 71 COUNTRY CLUB DRIVE BLOOMINGDALE, IL 60108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $363 | — | $363 | 1.61% |
| COURTNEY RYAN YURCZYK3 Filed as: COURTNEY S YURCZYK | 9616 WYOMING TERRACE SOUTH BLOOMINGTON, MN 55438 | CONTINENTAL AMERICAN INSURANCE COMPANY | $357 | — | $357 | 1.58% |
| RUSSELL NOWAK3 | 8009 VALLEY DRIVE PALOS HILLS, IL 60465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $311 | — | $311 | 1.38% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $263 | — | $263 | 1.16% |
| MICHAEL ROBERT YURCZYK3 Filed as: MICHAEL R YURCZYK | 5810 WEST 78TH STREET SUITE 210 BLOOMINGTON, MN 55439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $238 | — | $238 | 1.05% |
| EL TORRO INC3 Filed as: EL TORRO INC. | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | — | $108 | 0.48% |
| AARON J DUNNILL3 | 1137 EAST 5000 NORTH ROAD BOURBONNAIS, IL 60914 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | — | $101 | 0.45% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.37% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.27% |
| THE PROFECTUS GROUP LLC3 Filed as: THE PROFECTUS GROUPLLC | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.24% |
| VICKI L CIGER3 | 4020 OAK TREE LANE PLAINFIELD, IL 60586 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.24% |
| ANNA ELIZABETH INC3 | 2821 NORTH OCEAN BOULEVARD UNIT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.19% |
| TODD DEVOSS3 | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.14% |
| SYLVESTER SCHAFF3 | 2124 WASHINGTON AVENUE WILMETTE, IL 60091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.12% |
| JOSEPH A NASCA3 | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.12% |
| JEFFREY LYNN LAMBERT3 Filed as: JEFFREY L LAMBERT | 7 CENTER STREET HINSDALE, IL 60521 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.12% |
| VICKI L CIGER3 | 1507 BALTZ DRIVE JOLIET, IL 60431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.11% |
| MICHAEL T PETERS3 Filed as: MICHAEL MIKE T PETERS | 4415 WEST HARRISON STREET HILLSIDE, IL 60162 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.10% |
| JV FLORIDA INSURANCE CORP3 Filed as: JV FLORIDA INSURANCECORP | 2821 NORTH OCEAN BOULEVARD # 305 FT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.08% |
| H J SAMAAN INC3 Filed as: HJ SAMAAN INC | 19WEST152 21ST PLACE LOMBARD, IL 60148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.06% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $521 | $3K | $4K | 33.52% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $315 | — | $315 | 4.99% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $232 | $1K | $1K | 28.89% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42 | $210 | $252 | 29.96% |
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 | 487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 716 | $5.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 377 | $245K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 317 | $35K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 487 | $196K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 422 | $44K |
| Other(7 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 487 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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.