| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N. CLARK STREET CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $108K | $12K | $120K | 2.20% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N. CLARK STREET CHICAGO, IA 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 8.19% |
| ALLIANT INSURANCE SERVICES, INC.3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 3.46% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE, SUITE Q WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26K | — | $26K | 13.28% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N. CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 4.79% |
| GREGORY A. MCROBERT3 | 410 N. MICHIGAN AVENUE, #1200 CHICAGO, IL 606114292 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.94% |
| ALPER SERVICES LLC3 Filed as: ALPER SERVICES, LLC | 410 N. MICHIGAN AVENUE, #1200 CHICAGO, IL 606114292 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.40% |
| GREGORY A MCROBERTS3 Filed as: GREGORY A. MCROBERTS | 900 E. 96TH STREET, #300 INDIANAPOLIS, IA 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.67% |
| DAVID A PEARRE3 Filed as: DAVID A. PEARRE | 101 WAUKEGAN ROAD, #990 LAKE BLUFF, IL 600441687 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $685 | — | $685 | 1.04% |
| PETR H. HOOPIS3 | 300 S. WACKER DRIVE, #2000 CHICAGO, IL 606066736 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| STANLEY R DOMINEY3 Filed as: STANLEY R. DOMINEY | 200 W. FORSYTH STREET, #600 JACKSONVILLE, FL 322024349 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N. CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $929 | — | $929 | 15.00% |
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 | 1,056 | 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) | 1,056 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 665 | $5.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 335 | $539K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 335 | $539K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,056 | $734K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,056 | $195K |
| Long-term disability(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,056 | $806K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,056 | $734K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,056 | — |
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."
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.