| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT | — | BLUECROSS BLUESHIELD OF ILLINOIS | — | $21K | $21K | 4.57% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $10K | $29K | 14.88% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $12K | 15.00% |
| ERENIA CASTELLANOS3 Filed as: ERENIA CASTELLANOS GONZALEZ | 14628 CAPITAL DRIVE PLAINFIELD, IL 60544 | CONTINENTAL AMERICAN INSURANCE COMPANY | $989 | — | $989 | 2.54% |
| ERENIA CASTELLANOS3 Filed as: ERENIA CASTELLANOS GONZALEZ | 14628 CAPITAL DRIVE PLAINFIELD, IL 60544 | CONTINENTAL AMERICAN INSURANCE COMPANY | $490 | — | $490 | 1.26% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $366 | — | $366 | 0.94% |
| DANIEL E ELLIS3 | 349 EAST CALIFORNIA BOULEVARD PASADENA, CA 91106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $296 | — | $296 | 0.76% |
| SUMMER L CAIN3 | 1620 ABINGTON LANE NORTH AURORA, IL 60542 | CONTINENTAL AMERICAN INSURANCE COMPANY | $263 | — | $263 | 0.68% |
| JACQUELINE CASTRO3 | 1133 NORTH DEARBORN STREET CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $246 | — | $246 | 0.63% |
| NORMA HUERTA3 | 14420 SOUTH ALBANY AVENUE POSEN, IL 60469 | CONTINENTAL AMERICAN INSURANCE COMPANY | $235 | — | $235 | 0.60% |
| JORGETTE MONTILLA3 | 1 TRANS AM PLAZA DRIVE SUITE 535 OAKBROOK TERRACE, IL 60181 | CONTINENTAL AMERICAN INSURANCE COMPANY | $223 | — | $223 | 0.57% |
| MICHAEL ROBERT YURCZYK3 Filed as: MICHAEL R YURCZYK | 5810 WEST 78TH STREET SUITE 210 BLOOMINGTON, MN 55439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $195 | — | $195 | 0.50% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $192 | — | $192 | 0.49% |
| SHEILA M SERAPHIN3 | 3 CHALLY DRIVE YORKVILLE, IL 60560 | CONTINENTAL AMERICAN INSURANCE COMPANY | $143 | — | $143 | 0.37% |
| ANDREW C MJONESS3 | 4840 AMBER VALLEY PARKWAY SUITE C FARGO, ND 58104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | — | $122 | 0.31% |
| CHAD L NELSON3 | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | — | $120 | 0.31% |
| CHAD L NELSON3 | 5266 NORTH KUFALK LANE BYRON, IL 61010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | — | $102 | 0.26% |
| JEANETTE Y DURRANI3 | 11 SOUTH CENTRAL AVENUE APARTMENT 2115 PHOENIX, AZ 85004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.25% |
| KEITH OLSON3 Filed as: KEITH A OLSON | 1704 MAIN AVENUE SOUTH WEST FARGO, ND 58078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | — | $88 | 0.23% |
| JENNIFER L DANN3 | PO BOX 1205 FORESTHILL, CA 95631 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.17% |
| JV FLORIDA INSURANCE CORP3 Filed as: JV FLORIDA INSURANCECORP | 2821 NORTH OCEAN BOULEVARD #305 FT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.15% |
| SHAWN D BENSER3 | 214 PARK DRIVE HARDWOOD, ND 58042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.15% |
| THOMAS J CASSADY3 | 1102 5TH STREET SOUTH FARGO, ND 58103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.12% |
| PETER JAMES SARANTIS3 Filed as: PETER J SARANTIS | 1100 CORPORATE WAY SUITE 100 SACRAMENTO, CA 95831 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.11% |
| LISA M HUTCHERSON3 | 193 BLUE RAVINE ROAD SUITE 140 FOLSOM, CA 95630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| ANNA ELIZABETH INC3 Filed as: ANNA E RECCHIA | 401 NORTH BIRCH ROAD UNIT 1112 FORT LAUDERDALE, FL 33304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JOLYNNE M MACK3 | 113 5TH STREET SOUTHEAST WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JOSEPH A NASCA3 | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| TODD DEVOSS3 | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $765 | $2K | 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 | 1,184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 681 | $85K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,185 | $277K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,185 | $211K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 1,672 | $456K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,185 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,672 | — |
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.