| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 N. CLARK STREET, STE 1100 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 15.01% |
| ERENIA CASTELLANOS3 Filed as: ERENIA CASTELLANOS GONZALEZ | 14628 CAPITAL DRIVE PLAINFIELD, IL 60544 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.69% |
| ERENIA CASTELLANOS3 Filed as: ERENIA CASTELLANOS GONZALEZ | 14628 CAPITAL DRIVE PLAINFIELD, IL 60544 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.62% |
| MICHAEL ROBERT YURCZYK3 Filed as: MICHAEL R YURCZYK | 111 W. JACKSON BLVD 17TH FLOOR CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.14% |
| SUMMER L CAIN3 | 1620 ABINGTON LANE NORTH AURORA, IL 60542 | CONTINENTAL AMERICAN INSURANCE COMPANY | $993 | — | $993 | 1.62% |
| JACQUELINE CASTRO3 | 1133 N DEARBORN ST CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $974 | — | $974 | 1.59% |
| NORMA HUERTA3 | 14420 S ALBANY AVE POSEN, IL 60469 | CONTINENTAL AMERICAN INSURANCE COMPANY | $948 | — | $948 | 1.55% |
| CHAD L NELSON3 | 490 EAST ROOSEVELT ROAD WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $633 | — | $633 | 1.03% |
| KEITH OLSON3 Filed as: KEITH A OLSEN | 1704 MAIN AVE SOUTH WEST FARGO, ND 58078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $619 | — | $619 | 1.01% |
| CHAD L NELSON3 | 490 EAST ROOSEVELT RD SUITE 203 WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $594 | — | $594 | 0.97% |
| ANDREW C MJONESS3 | 4840 AMBER VALLEY STE C FARGO, ND 58104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $585 | — | $585 | 0.95% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PARKWAY STE C FARGO, ND 58104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $322 | — | $322 | 0.53% |
| JOHN H VRATSINAS3 | 1142 WEST MADISON 305 CHICAGO, IL 60607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $249 | — | $249 | 0.41% |
| JEANETTE Y DURRANI3 | 6851 ALMOND AVE ORANGEVALE, CA 95662 | CONTINENTAL AMERICAN INSURANCE COMPANY | $171 | — | $171 | 0.28% |
| JENNIFER L DANN3 | PO BOX 1205 FORESTHILL, CA 95631 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | — | $149 | 0.24% |
| PETER JAMES SARANTIS3 Filed as: PETER J SARANTIS | 1100 CORPORATE WAY STE 100 SACRAMENTO, CA 95831 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.14% |
| TODD DEVOSS3 | 321 N. CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.10% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.10% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.10% |
| JOLYNNE M MACK3 | 113 5TH STREET SE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| LISA M HUTCHERSON3 | 193 BLUE RAVINE RD SUITE 140 FOLSOM, CA 95630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.02% |
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 | 829 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 831 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 246 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.