| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | — | $42K | $42K | 0.25% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $27 | $27 | 0.00% |
| SUPERIOR AIR-GROUND AMBULANCE SERVI3 | 395 LAKE STREET ELMHURST, IL 60126 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $4 | $4 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT / MESIROW INSURANCE SERVICE | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $137K | $6K | $143K | 13.82% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SERVICES INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $87K | — | $87K | 9.34% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $22K | $22K | 2.41% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SERVICES INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 0.66% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT / MESIROW INSURANCE SERVICE | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $1K | $37K | 21.57% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT / MESIROW INSURANCE SERVICE | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $1K | $25K | 15.57% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | METLIFE LEGAL PLANS | $6K | — | $6K | 10.49% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL | 321 NORTH CLARK STREET CHICAGO, IL 60610 | METLIFE LEGAL PLANS | — | $339 | $339 | 0.58% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL | 321 NORTH CLARK STREET CHICAGO, IL 60610 | METLIFE LEGAL PLANS | — | $55 | $55 | 0.09% |
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 | 2,317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,562 | $928K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,562 | $928K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,070 | $1.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,070 | $1.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,070 | $1.0M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 2,658 | $17.0M |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,070 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,070 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.