| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $108K | $20K | $128K | 1.70% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | GUARDIAN | $84K | $0 | $84K | 8.05% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | GUARDIAN | $0 | $21K | $21K | 2.06% |
| TRACEY HINRICHS3 | 7182 LIBERTY CTR DR STE Q WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65K | $0 | $65K | 16.72% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | $0 | $24K | 6.15% |
| ALPER SERVICES LLC3 | 410 N MICHIGAN AVE 12TH FLR CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | $0 | $53 | 0.01% |
| ALPER SERVICES LLC3 | 410 N MICHIGAN AVE CHICAGO, IL 60611 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.39% |
| ALPER SERVICES LLC3 | 410 N MICHIGAN AVE CHICAGO, IL 60611 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.05% |
| DAVID A PEARRE3 Filed as: DAVID A PEARRE II | 101 WAUKEGAN RD STE 990 LAKE BLUFF, IL 60044 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $956 | $0 | $956 | 0.94% |
| PETER H HOOPIS3 | 300 S WACKER DR STE 2000 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $68 | $367 | $435 | 0.43% |
| STANLEY R DOMINEY3 | 200 W FORSYTH ST STE 600 JACKSONVILLE, FL 32202 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $47 | $0 | $47 | 0.05% |
| TRACEY HINRICHS3 | 7182 LIBERTY CTR DR WEST CHESTER, OH 45069 | MANHATTAN LIFE | $2K | $0 | $2K | 4.04% |
| ALPER SERVICES LLC3 | 410 N MICHIGAN AVE 12TH FLR CHICAGO, IL 60611 | MANHATTAN LIFE | $1K | $0 | $1K | 2.47% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $173 | $0 | $173 | 15.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MESIROW INSURANCE SERVICES INC BROKER | Insurance agents and brokers Service code 22 | 353 N CLARK ST CHICAGO, IL 60654 | $238K |
| TRACEY HINRICHS BROKER | Insurance agents and brokers Service code 22 | 7182 LIBERTY CTR DR WEST CHESTER, OH 45069 | $67K |
| ALLIANT INSURANCE SERVICES INC BROKER | Insurance agents and brokers Service code 22 | — | $21K |
| PENSION CORPORATION OF AMERICA EIN 31-1136975 CONTRACT ADMIN | Contract Administrator Service code 13 | 2133 LURAY AVE CINCINNATI, OH 45206 | $21K |
| PERSPECTIVES LTD EIN 36-3444982 CONTRACT ADMIN | Contract Administrator Service code 13 | 20 NORTH CLARK ST STE 2650 CHICAGO, IL 60602 | $13K |
| ALPER SERVICES LLC BROKER | Insurance agents and brokers Service code 22 | 410 N MICHIGAN AVE 12TH FLR CHICAGO, IL 60611 | $8K |
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 | 1,454 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,454 | $7.5M |
| Dental | GUARDIAN | 1,087 | $1.0M |
| Vision | GUARDIAN | 1,087 | $1.0M |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN | 1,087 | $1.5M |
| Short-term disability(3 contracts, 3 carriers) | GUARDIAN | 1,087 | $1.5M |
| Long-term disability(3 contracts, 3 carriers) | GUARDIAN | 1,087 | $1.5M |
| Other(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,454 | $7.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,454 | — |
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.