| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 N. CLARK ST. CHICAGO, IL 60610 | HEALTHCARE SERVICE CORPORATION | $74K | $0 | $74K | 0.42% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 N. CLARK ST. CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $13K | $31K | 11.14% |
| MESIROW INSURANCE SERVICES INC3 | 353 N. CLARK ST. CHICAGO, IL 60654 | UNITED HEALTH CARE INSURANCE COMPANY | $2K | $0 | $2K | 0.92% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 N. CLARK ST. CHICAGO, IL 60654 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES (CIGNA) | $5K | $18K | $24K | 13.93% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 N. CLARK ST. CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $7K | $14K | 9.28% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 N. CLARK ST. CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $5K | $11K | 11.01% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 N. CLARK ST. CHICAGO, IL 60610 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4K | $2K | $6K | 21.77% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 N. CLARK ST. CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $740 | $2K | 11.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIM AND ADMIN SERVICES | Named fiduciary; Direct payment from the plan; Participant communication; Other services; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing Service code 12 | — | $85K |
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 | 2,588 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 133 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 99 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,820 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHCARE SERVICE CORPORATION | 4,868 | $17.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES (CIGNA) | 1,045 | $169K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,501 | $259K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 121 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,462 | $274K |
| Prescription drug | CVS PHARMACY INC | 2,742 | $0 |
| Stop-loss / reinsurancereinsurance | HEALTHCARE SERVICE CORPORATION | 4,868 | $17.5M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES (CIGNA) | 3,501 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,868 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.