| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N CLARK ST CHICAGO, IL 60654 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $71K | $2K | $73K | 3.96% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MEISROW CONSULTING SERVICES, INC. | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $24K | $7K | $31K | 22.56% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | DELTA DENTAL OF ILLINOIS | $7K | — | $7K | 5.44% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $1K | — | $1K | 5.51% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $419 | — | $419 | 4.68% |
| KRISTI L HARSHBARGER3 | 545 WEST BROMPTON CHICAGO, IL 60657 | CONTINENTAL AMERICAN INSURANCE COMPANY | $283 | — | $283 | 3.16% |
| JEANETTE VERONICA HARRIS3 Filed as: JEANETTE HARRIS | 950 WEST NORTON AVENUE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $257 | — | $257 | 2.87% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS & ASSOCIATES, INC | 950 WEST NORTON AVENUE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181 | — | $181 | 2.02% |
| NASCA & ASSOCIATES3 | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161 | — | $161 | 1.80% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.77% |
| TODD DEVOSS3 | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.44% |
| TODD DEVOSS3 | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.27% |
| JOSEPH A NASCA3 | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.19% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 303 WEST ERIRE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.18% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| JACQUELINE CASTRO3 | 1133 NORTH DEARBORN STREET CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 820 NORTH ORLEANS STREET SUITE 405 CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| SUSAN C BRIMHALL3 | 155 CYPRESS LANE OLDSMAR, FL 34677 | AFLAC | $97 | — | $97 | — |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $81 | — | $81 | — |
| HELENE HENDRICKSON3 | 1658 CAMDEN AVE APT 108 LOS ANGELES, CA 90025 | AFLAC | $70 | — | $70 | — |
| SANTIAGO & ASSOCIATES LLC3 | 668 BRIDGEVIEW BAY LANE MUSKEGON, MI 49441 | AFLAC | $45 | — | $45 | — |
| STEVEN T SPEICHINGER3 | 210 KENT STREET WAUSAU, WI 54403 | AFLAC | $43 | — | $43 | — |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATION LTD | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | AFLAC | $42 | — | $42 | — |
| JENNIFER R GLASSBERG3 | 307 LIVE OAK LANE BOYNTON, FL 33436 | AFLAC | $40 | — | $40 | — |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 303 WEST ERIE SUITE 400 CHICAGO, IL 60654 | AFLAC | $38 | — | $38 | — |
| JULIE KICKER3 Filed as: JULIE A KICKER | 719 EAST COTTONWOOD LANE CASA GRANDE, AZ 85122 | AFLAC | $36 | — | $36 | — |
| ADAM H MICHAELS3 Filed as: ADAM H MICHAELS & ASSOCIATES LTD | 12121 WILSHIRE BLVD SUITE 1225 LOS ANGELES, CA 90025 | AFLAC | $35 | — | $35 | — |
| JULIE SLAUGHTER3 Filed as: JULIE M SLAUGHTER | 430 BOARDWALK DRIVE WALLED LAKE, MI 48390 | AFLAC | $26 | — | $26 | — |
| BRENDA DELONG BENARY3 | 941 SOUTHEAST WALTERS TERRACE PORT SAINT LUCIE, FL 34983 | AFLAC | $23 | — | $23 | — |
| DARREN EDWARD GALGANO3 | 4701 MIDLOTHIAN TURNPIKE CRESTWOOD, IL 60445 | AFLAC | $17 | — | $17 | — |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | AFLAC | $11 | — | $11 | — |
| ZACHARY HARTMAN3 Filed as: ZACHARY K. HARTMAN | 13820 SOUTH 44TH STREET APT 1190 PHOENIX, AZ 85044 | AFLAC | $10 | — | $10 | — |
| SUE EUSEPI AND ASSOC INC3 Filed as: SUE EUSEPI AND ASSOCIATES INC | PO BOX 631 JUPITER, FL 33468 | AFLAC | $10 | — | $10 | — |
| JIMMY LEE3 | 6942 NORTH CENTRAL AVENUE CHICAGO, IL 60646 | AFLAC | $8 | — | $8 | — |
| JOHN A DONALDSON3 | 507 NORTH SAM HOUSTON PKWY EAST SUITE 450 HOUSTON, TX 77060 | AFLAC | $8 | — | $8 | — |
| CARLOS CASTRESANA3 | 2670 NE 47TH STREET LIGHTHOUSE POINT, FL 33064 | AFLAC | $7 | — | $7 | — |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $6 | — | $6 | — |
| DONALD GREEN3 Filed as: DONALD A GREEN | 1611 WEST PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $6 | — | $6 | — |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 360 WEST ILLNOIS STREET APT 9A CHICAGO, IL 60654 | AFLAC | $5 | — | $5 | — |
| J M ELLWOOD3 | 8220 EAST SAN MIGUEL AVENUE SCOTTSDALE, AZ 85250 | AFLAC | $4 | — | $4 | — |
| J W GRIMES INC | 7659 HERITAGE CROSSING WAY REUNION, FL 34747 | AFLAC | $4 | — | $4 | — |
| SANDRA L SARFF3 | 7090 NORTH ORACLE ROAD 178 PMB 152 TUCSON, AZ 85704 | AFLAC | $2 | — | $2 | — |
| CHERYL WILLS3 | 12801 ROSECRANS AVENUE APT 134 NORWALK, CA 90650 | AFLAC | $2 | — | $2 | — |
| KRISTI L HARSHBARGER3 Filed as: KRISTI HARSHBARGER | 451 WEST MELROSE STREET APT 502 CHICAGO, IL 60657 | AFLAC | $1 | — | $1 | — |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS & ASSOCIATES LLC | 950 WEST NORTON AVENUE SUITE 201 NORTON SHORES, MI 49441 | AFLAC | $0 | — | $0 | — |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 314 | $1.8M |
| Dental | DELTA DENTAL OF ILLINOIS | 179 | $137K |
| Vision | VISION SERVICE PLAN | 160 | $20K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 204 | $138K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 204 | $138K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 204 | $138K |
| Other(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 204 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
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.
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.