| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | — | BLUECROSS BLUESHIELD OF ILLINOIS | $73K | $2K | $75K | 4.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: RE WILLIS | 200 LIBERTY STREET NEW YORK, NY 10281 | AMALGAMATED LIFE INSURANCE COMPANY | $4K | — | $4K | 2.97% |
| J MANNING AND ASSOCIATES3 Filed as: J MANNING & ASSOCIATES | 220 NORTH GREEN STREET CHICAGO, IL 60607 | LIFESECURE INSURANCE COMPANY | $947 | — | $947 | 6.30% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTAL COURT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $586 | — | $586 | 3.90% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | LIFESECURE INSURANCE COMPANY | $271 | — | $271 | 1.80% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 301 | $1.9M |
| Dental | DELTA DENTAL OF ILLINOIS | 218 | $174K |
| Vision | PROTEC INSURANCE COMPANY | 181 | $29K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 200 | $151K |
| Short-term disability | AMALGAMATED LIFE INSURANCE COMPANY | 200 | $151K |
| Long-term disability | THE EPIC LIFE INSURANCE COMPANY | 176 | $38K |
| Other(4 contracts, 4 carriers) | DELTA DENTAL OF ILLINOIS | 218 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.