| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $82K | $2K | $84K | 3.59% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $14 | $14 | 0.00% |
| DELTA INSURANCE AGENCY3 Filed as: DELTA DENTAL OF ILLINOIS | 111 SHUMAN BOULEVARD NAPERVILLE, IL 60563 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $2 | $2 | 0.00% |
| J MANNING AND ASSOCIATES3 Filed as: J MANNING & ASSOCIATES | 1034 NORTH ASHLAND DRIVE CHICAGO, IL 60622 | LIFESECURE | $5K | — | $5K | 45.50% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET CHICAGO, IL 60654 | LIFESECURE | $2K | — | $2K | 15.53% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 100 FIELD DRIVE LAKE FOREST, IL 60045 | LIFESECURE | $1K | — | $1K | 13.01% |
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 | 202 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 371 | $2.3M |
| Dental | DELTA DENTAL OF ILLINOIS | 236 | $31K |
| Vision | PROTEC | 202 | $10K |
| Life insurance | PROTEC INSURANCE COMPANY | 204 | $162K |
| Short-term disability | PROTEC INSURANCE COMPANY | 204 | $162K |
| Long-term disability | THE EPIC LIFE INSURANCE COMPANY | 204 | $41K |
| Other(3 contracts, 3 carriers) | PROTEC INSURANCE COMPANY | 204 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.