| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | — | $28K | $28K | 0.31% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, IN | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $4K | $27K | 12.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, IN | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 12.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $540 | — | $540 | 2.42% |
| ERENIA CASTELLANOS3 Filed as: ERENIA CASTELLANOS CONZALEZ | 14628 CAPITAL DRIVE PLAINFIELD, IA 60544 | CONTINENTAL AMERICAN INSURANCE COMPANY | $244 | — | $244 | 1.09% |
| ERENIA CASTELLANOS3 Filed as: ERENIA CASTELLANOS GONZALEZ | 14628 CAPITAL DRIVE PLAINFIELD, IL 60544 | CONTINENTAL AMERICAN INSURANCE COMPANY | $185 | — | $185 | 0.83% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181 | — | $181 | 0.81% |
| MICHAEL ROBERT YURCZYK3 Filed as: MICHAEL R YURCZYK | 5810 WEST 78TH STREET SUITE 210 BLOOMINGTON, MN 55439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | — | $116 | 0.52% |
| SUMMER L CAIN3 | 1620 ABINGTON LANE NORTH AURORA, IL 60542 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | — | $113 | 0.51% |
| NORMA HUERTA3 | 14420 SOUTH ALBANY AVENUE POSEN, IL 60469 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | — | $107 | 0.48% |
| CHAD L NELSON3 | 5266 NORTH KUFALK LANE BYRON, IL 61010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | — | $103 | 0.46% |
| ERNESTO GONZALEZ3 | 14628 CAPITAL DRIVE PLAINFIELD, IL 60544 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.29% |
| ANDREW C MJONESS3 | 4840 AMBER VALLEY PARKWAY SUITE C FARGO, ND 58104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.26% |
| DANIEL E ELLIS3 | 349 EAST CLAIFORNIA BOULEVARD PASADENA, CA 91106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.25% |
| JV FLORIDA INSURANCE CORP3 | 2821 NORTH OCEAN BOULEVARD # 305 FT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.25% |
| CHAD L NELSON3 | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.23% |
| KEITH OLSON3 Filed as: KEITH A OLSON | 1704 MAIN AVENUE SOUTH WEST FARGO, ND 58078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.18% |
| JEANETTE Y DURRANI3 | 11 SOUTH CENTRAL AVENUE APARTMENT 2115 PHOENIX, AZ 85004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.17% |
| JENNIFER L DANN3 | PO BOX 1205 FORESTHILL, CA 95631 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.11% |
| SHAWN D BENSER3 | 214 PARK DRIVE HARWOOD, ND 58042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.11% |
| PETER JAMES SARANTIS3 Filed as: PETER J SARANTIS | 1100 CORPORATE WAY SUITE 100 FREDERICKSBIRG, VA 22401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.08% |
| JORGETTE MONTILLA3 | 1 TRANS AM PLAZA DRIVE SUITE 535 OAKBROOK TERRACE, IL 60181 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| OVERBECK INSURANCE SERVICES3 | 1033 SOUTH BOULEVARD OAK PARK, IL 60302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| SHEILA M SERAPHIN3 | 3 CHALLY DRIVE YORKVILLE, IL 60560 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| LISA M HUTCHERSON3 | 193 BLUE RAVINE ROAD SUITE 140 FOLSOM, CA 95630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JOLYNNE M MACK3 | 113 5TH STREET SOUTHEAST WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOSEPH A NASCA3 | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TODD DEVOSS3 | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, IN | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $305 | $2K | 12.00% |
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 | 1,102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 716 | $95K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,195 | $329K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,195 | $239K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 1,710 | $9.3M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,195 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,710 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.