| 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 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $15K | $2K | $17K | 0.83% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC | 353 N CLARK ST CHICAGO, IL 60654 | GUARDIAN LIFE INSURANCE COMPANY | $7K | $5K | $12K | 12.07% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | DEARBORN NATIOANL LIFE INSURANCE COMPANY | $5K | $5K | $10K | 20.67% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N CLARK ST CHICAGO, IL 60654 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $457 | $11 | $468 | 2.49% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 1.05% |
| THE PLEXUS GROUPE LLC3 Filed as: THE PLEXUS GROUPE, LLC | 21805 FIELD PKWY STE 300 DEER PARK, IL 60010 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.45% |
| NATIONAL BENEFIT ADMINSITRS INC3 | 1701 E LAKE AVE STE 400 GLENVIEW, IL 60025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.24% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $239 | $2K | 18.88% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL | 353 N CLARK STREET CHICAGO, IL 60654 | EYEMED | $400 | — | $400 | 10.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $449 | — | $449 | 15.01% |
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 | 337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 287 | $2.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 252 | $101K |
| Vision | EYEMED | 95 | $4K |
| Life insurance(3 contracts, 3 carriers) | DEARBORN NATIOANL LIFE INSURANCE COMPANY | 337 | $62K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 69 | $19K |
| Long-term disability | DEARBORN NATIOANL LIFE INSURANCE COMPANY | 337 | $47K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 287 | $2.1M |
| Other(3 contracts, 3 carriers) | DEARBORN NATIOANL LIFE INSURANCE COMPANY | 337 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.