| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST SUITE 1100 CHICAGO, IL 60654 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $86K | — | $86K | 4.93% |
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $1K | $1K | 0.08% |
| SAFER FOUNDATION0 | 571 WEST JACKSON BLVD CHICAGO, IL 606615701 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST SUITE 1100 CHICAGO, IL 60654 | DEARBORN NATIONAL | $25K | $4K | $30K | 23.55% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC | 353 NORTH CLARK ST SUITE 400 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.90% |
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $109 | — | $109 | 0.80% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $223 | $5 | $228 | 2.67% |
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40 | — | $40 | 0.47% |
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP INC | 760 PASQUINELLI DR STE 358 WESTMONT, IL 60559 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 0.34% |
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 | 242 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 192 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 192 | $1.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 203 | $14K |
| Life insurance | DEARBORN NATIONAL | 249 | $126K |
| Short-term disability | DEARBORN NATIONAL | 249 | $126K |
| Long-term disability | DEARBORN NATIONAL | 249 | $126K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL | 249 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.