| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC/CHIC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | — | $16K | 0.80% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC / CH | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 0.51% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC/CHIC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | — | $29K | 6.50% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 6.50% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 12.50% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 5.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N CLARK STREET SUITE 1100 CHICAGO, IL 60610 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | — | $28K | 16.28% |
| WORK DAY3 | 6110 STONERIDGE MALL ROAD PLEASANTON, CA 94588 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $16K | $16K | 9.09% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N CLARK STREET SUITE 1100 CHICAGO, IL 60610 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 16.42% |
| WORK DAY3 | 6110 STONERIDGE MALL ROAD PLEASANTON, CA 94588 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $15K | $15K | 9.09% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60610 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 16.37% |
| WORK DAY3 | 6110 STONERIDGE MALL ROAD PLEASANTON, CA 94588 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $11K | $11K | 9.09% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC/CHIC | — | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $2K | — | $2K | 3.50% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.50% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC/CHIC | — | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $982 | — | $982 | 3.46% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC/CHIC | — | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $403 | — | $403 | 3.55% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC/CHIC | — | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $297 | — | $297 | 3.92% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC/CHIC | — | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $239 | — | $239 | 3.16% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC/CHIC | — | CIGNA DENTAL HEALTH OF TEXAS, INC. | $293 | — | $293 | 3.87% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC/CHIC | — | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $175 | — | $175 | 3.08% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC/CHIC | — | CIGNA DENTAL HEALTH OF COLORADO, INC. | $108 | — | $108 | 2.85% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC/CHIC | — | CIGNA DENTAL HEALTH OF OHIO, INC. | $141 | — | $141 | 3.73% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC/CHIC | — | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $100 | — | $100 | 2.64% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC/CHIC | — | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $68 | — | $68 | 3.59% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC/CHIC | — | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $71 | — | $71 | 3.75% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC/CHIC | — | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $146 | — | $146 | 7.71% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC/CHIC | — | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $35 | — | $35 | 1.85% |
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 | 3,922 | 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. |
| Total participants (= "Plan participants" tile) | 3,922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(15 contracts, 15 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,762 | $2.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 4,120 | $233K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,922 | $501K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,390 | $442K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,762 | $3.7M |
| Other(7 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,762 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,762 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.