| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N. CLARK ST. CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.83% |
| THERESA REDDING | 71 COUNTRY CLUB DRIVE BLOOMINGDALE, IL 60108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $961 | — | $961 | 1.90% |
| COURTNEY YURCZYK | 5810 W. 78TH ST. SUITE 210 EDINA, MN 55439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $917 | — | $917 | 1.81% |
| VICKI L CIGER Filed as: VICKI CIGER | 4020 OAK TREE LANE PLAINFIELD, IL 60586 | CONTINENTAL AMERICAN INSURANCE COMPANY | $745 | — | $745 | 1.47% |
| MICHAEL YURCZYK | 111 W. JACKSON BLVD. CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $715 | — | $715 | 1.41% |
| STEPHEN KELLS | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $461 | — | $461 | 0.91% |
| JEFFREY LYNN LAMBERT Filed as: JEFFREY LAMBERT | 15419 W. 127TH ST. LEMONT, IL 60439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $290 | — | $290 | 0.57% |
| MARK D BARBIER Filed as: MARK BARBIER | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $238 | — | $238 | 0.47% |
| VICKI L CIGER Filed as: VICKI CIGER | 1507 BALTZ DRIVE JOLIET, IL 60431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.26% |
| RUSSELL NOWAK | 8009 VALLEY DRIVE PALOS HILLS, IL 60465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | — | $102 | 0.20% |
| TODD DEVOSS | 321 N. CLARK ST. SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.16% |
| JOSEPH A NASCA Filed as: JOSEPH A. NASCA | 28081 W. MAPLE AVE. BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.14% |
| JOHNSON SCHAFF | 2124 WASHINGTON AVE. WILMETTE, IL 60091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.07% |
| MICHAEL T PETERS Filed as: MICHAEL T. PETERS | 4415 W. HARRISON ST. HILLSIDE, IL 60162 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.06% |
| H J SAMAAN INC Filed as: HJ SAMAAN INC. | 19W152 21ST PLACE LOMBARD, IL 60148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| JOHN H VRATSINAS Filed as: JOHN VRATSINAS | 1142 W. MADISON #305 CHICAGO, IL 60607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| TREVOR FENNELL | 133 WEST 22ND ST. NEW YORK, NY 10011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N. CLARK ST. SUITE 1100 CHICAGO, IL 60610 | CIGNA GROUP INSURANCE | $7K | $6K | $14K | — |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N. CLARK ST. SUITE1100 CHICAGO, IL 60610 | CIGNA GROUP INSURANCE | $544 | $435 | $979 | — |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N. CLARK ST., STE. 1100 CHICAGO, IL 60610 | CIGNA GROUP INSURANCE | $3K | $2K | $5K | — |
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 | 662 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | CIGNA GROUP INSURANCE | 662 | $0 |
| Short-term disability | CIGNA GROUP INSURANCE | 662 | $0 |
| Long-term disability | CIGNA GROUP INSURANCE | 538 | $0 |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 99 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 662 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.