| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $44K | $22K | $66K | 1.79% |
| ELMHURST UNIVERSITY3 | 190 PROSPECT AVENUE ELMHURST, IL 60126 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $2K | $18K | 21.83% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $1K | $13K | 21.78% |
| MESIROW INSURANCE SERVICES INC3 | — | DELTA DENTAL OF ILLINOIS | $14K | — | $14K | 24.54% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $3K | — | $3K | 9.10% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $155 | $22 | $177 | 17.13% |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 599 | $3.7M |
| Dental | DELTA DENTAL OF ILLINOIS | 326 | $58K |
| Vision | VISION SERVICE PLAN | 444 | $29K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 410 | $82K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 402 | $59K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 410 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 599 | — |
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.