| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT | 200 SOUTH WACKER DR. SUITE 3030 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $14K | $14K | 0.24% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 10.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.79% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | — | $300 | $300 | 0.16% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SERVICES INC | 353 N. CLARK STREET CHICAGO, IL 60654 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 26.61% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 200 SOUTH WACKER DR. SUITE 3030 CHICAGO, IL 60606 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 4.44% |
| MESIROW INSURANCE SERVICES INC3 | 353 N. CLARK ST STE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $2K | — | $2K | 3.23% |
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 | 873 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 873 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,108 | $5.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 648 | $128K |
| Vision | VISION SERVICE PLAN | 554 | $55K |
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 873 | $183K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 873 | $183K |
| Other | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 873 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,108 | — |
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.