| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N. CLARK STREET, SUITE 400 CHICAGO, IL 606543452 | HEALTH CARE SERVICE CORPORATION | $25K | $2K | $26K | 1.55% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675658 | HEALTH CARE SERVICE CORPORATION | $20K | — | $20K | 1.20% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N. CLARK STREET, SUITE 400 CHICAGO, IL 606543452 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $17K | 12.08% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PKWY ORLAND PARK, IL 604675695 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $923 | $9K | 6.19% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N. CLARK STREET, SUITE 400 CHICAGO, IL 606543452 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 8.08% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PKWY ORLAND PARK, IL 604675658 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2K | $3K | 3.27% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N. CLARK ST, SUITE 400 CHICAGO, IL 606543452 | HUMANA DENTAL INSURANCE COMPANY | $1K | $158 | $1K | 7.47% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PKWY ORLAND PARK, IL 604675695 | HUMANA DENTAL INSURANCE COMPANY | $576 | — | $576 | 3.45% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 308 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $100K |
| Vision | HUMANA DENTAL INSURANCE COMPANY | 103 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $143K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $143K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 308 | $1.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.