| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICDS INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $10K | $10K | 1.70% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $10K | $10K | 1.90% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SERVICES INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52K | $10K | $62K | 11.98% |
| 12 INTERACTIVE DBA SPOTLITE3 Filed as: 12 INTERACTIVE LLC | 216 WEST OHIO 4TH FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 9.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $3K | $17K | 7.55% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SVCS INC | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 4.90% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SVCS INC | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $6K | $28K | 25.56% |
| SPOTLITE INC3 | 20 NORTH WACKER DRIVE #1200 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 15.16% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SVCS INC | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 11.61% |
| 12 INTERACTIVE DBA SPOTLITE3 Filed as: 12 INTERACTIVE LLC SPOTLITE | 216 WEST OHIO FLOOR 4 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.25% |
| SPOTLITE INC3 | 20 NORTH WACKER DRIVE #1200 CHICAGO, ID 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 18.88% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURNCE SVCS INC | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 15.11% |
| 12 INTERACTIVE DBA SPOTLITE3 Filed as: 12 INTERACTIVE LLC SPOTLITE | 216 WEST OHIO FLOOR 4 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.78% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SVCS INC | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.60% |
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 | 1,147 | 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) | 1,147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 929 | $518K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 929 | $518K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,147 | $142K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 481 | $221K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,147 | $116K |
| Stop-loss / reinsurancereinsurance(2 contracts) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,654 | $1.1M |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,147 | $466K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,654 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.