| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $59K | $1K | $60K | 3.05% |
| JAMES F MORLEY3 | 815 WEST VAN BUREN STREET SUITE 330 CHICAGO, IL 60607 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $20K | $4 | $20K | 0.99% |
| LEYDIG, VOIT AND MAYER, LTD3 Filed as: LEYDIG, VOIT AND MAYTER, LTD. | 2 PRUDENTIAL PLAZA 180 NORTH STETSON AVENUE SUITE 4900 CHICAGO, IL 60601 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $12 | $12 | 0.00% |
| JAMES F MORLEY3 | 815 WEST VAN BUREN STREET SUITE 330 CHICAGO, IL 60607 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.07% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.36% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW CONSULTING SERVICES, INC | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | $113 | $4K | 5.15% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 13.50% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.23% |
| JAMES F MORLEY3 Filed as: JAMES F. MORLEY | 815 WEST VAN BUREN STREET SUITE 330 CHICAGO, IL 60607 | STANDARD INSURANCE COMPANY | $690 | — | $690 | 2.82% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 272 | $2.0M |
| Dental | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 84 | $69K |
| Life insurance | STANDARD INSURANCE COMPANY | 152 | $24K |
| Short-term disability | STANDARD INSURANCE COMPANY | 95 | $25K |
| Long-term disability | STANDARD INSURANCE COMPANY | 148 | $90K |
| Other | STANDARD INSURANCE COMPANY | 152 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.