| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT | — | BLUECROSS BLUESHIELD OF ILLINOIS | — | $13K | $13K | 1.85% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SERVICES INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $67K | — | $67K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $15K | $15K | 2.30% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $88K | $6K | $94K | 16.04% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $2K | $36K | 27.25% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE | $21K | $1K | $22K | 27.16% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | HYATT LEGAL PLANS | $2K | $192 | $3K | 12.11% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL | 321 NORTH CLARK STREET CHICAGO, IL 60610 | HYATT LEGAL PLANS | — | $161 | $161 | 0.76% |
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 | 1,940 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 49 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,997 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,218 | $667K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,218 | $667K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,317 | $586K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,317 | $586K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,317 | $586K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 2,049 | $721K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,317 | $819K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,317 | — |
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.