| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 N. CLARK STREET CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $21K | $2K | $24K | 0.95% |
| ENVISION UNLIMITED3 | 8 SOUTH MICHIGAN AVE CHICAGO, IL 60603 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $5 | $5 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N. CLARK ST. CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $2 | $2 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SERVICES INC | 353 N CLARK STREET CHICAGO, IL 60654 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.79% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 200 S WACKER DR CHICAGO, IL 60606 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.29% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $9K | $3K | $12K | 11.69% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $306 | $12 | $318 | 1.50% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $170 | — | $170 | 0.80% |
| THE PLEXUS GROUPE LLC3 | STE 300 21805 FIELD PKWY DEER PARK, IL 60010 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.34% |
| NATIONAL BENEFIT ADMINSTRS INC3 | STE 400 1701 E LAKE AVE GLENVIEW, IL 60010 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.12% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CALRK ST. #400 CHICAGO, IL 60654 | EYEMED | $1K | — | $1K | 8.39% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54 | $7 | $61 | 3.14% |
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 | 371 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 371 | $2.5M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 326 | $136K |
| Vision | EYEMED | 229 | $15K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 471 | $104K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 67 | $23K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 471 | $104K |
| Other(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 471 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.