| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPER SERVICES LLC3 Filed as: ALPER SERVICES, LLC | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | $70K | $11K | $81K | 1.32% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | $45K | $0 | $45K | 0.73% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SERVICES, INC., | 353 N CLARK STREET CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY | $26K | $0 | $26K | 2.83% |
| ALPER SERVICES LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 1.13% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DR STE Q WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $57K | $0 | $57K | 22.79% |
| ALPER SERVICES LLC3 | 60 W SUPERIOR ST CHICAGO, IL 60654 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $23K | $0 | $23K | 9.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $403 | $0 | $403 | 0.16% |
| ALPER SERVICES LLC3 | 410 N MICHIGAN AVE CHICAGO, IL 60611 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 8.01% |
| DAVID A PEARRE3 Filed as: DAVID PEARRE II | 101 WAUKEGAN RD STE 990 LAKE BLUFF, IL 60044 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.95% |
| PETER H HOOPIS3 | 300 S WACKER DR STE 2000 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.94% |
| STANLEY R DOMINEY3 Filed as: STANLEY DOMINEY | 200 W FORSYTH ST STE 600 JACKSONVILLE, FL 32202 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $73 | — | $73 | 0.07% |
| LYNN FEDOR3 | 267 HIGHWAY 74 N STE 4 PEACHTREE CITY, GA 30269 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $55 | $0 | $55 | 0.05% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE STE Q WEST CHESTER, OH 45069 | KANAWHA INSURANCE COMPANY | $3K | $0 | $3K | 4.22% |
| ALPER SERVICES LLC3 | 60 W SUPERIOR CHICAGO, IL 60654 | KANAWHA INSURANCE COMPANY | $2K | $0 | $2K | 2.87% |
| ALPER SERVICES LLC3 Filed as: ALPER SERVICES, INC. | 60 W SUPERIOR ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 8.67% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 6.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALPER SERVICES, LLC BROKER | Custodial (securities) Service code 19 | 60 W SUPERIOR ST CHICAGO, IL 60654 | $126K |
| MESIROW INSURANCE SERVICES, INC. BROKER | Custodial (securities) Service code 19 | 353 N CLARK ST CHICAGO, IL 60654 | $72K |
| TRACEY HINRICHS BROKER | Custodial (securities) Service code 19 | 7182 LIBERTY CENTRE DR STE Q WEST CHESTER, OH 45069 | $60K |
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 | 1,390 | 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) | 1,390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,390 | $6.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 1,026 | $908K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 1,026 | $908K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 1,026 | $1.2M |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 1,026 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 1,026 | $1.0M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,390 | $6.2M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | 738 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,390 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.