| 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 | $79K | $2K | $81K | 4.08% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | DELTA DENTAL OF ILLINOIS | $8K | — | $8K | 5.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 14.99% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $1K | — | $1K | 5.35% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $256 | — | $256 | 3.47% |
| SANTIGO & ASSOCIATES LLC3 | 950 WEST NORTON AVENUE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $191 | — | $191 | 2.59% |
| KRISTI L HARSHBARGER3 | 545 WEST BROMPTON CHICAGO, IL 60657 | CONTINENTAL AMERICAN INSURANCE COMPANY | $165 | — | $165 | 2.24% |
| NASCA & ASSOCIATES3 | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | — | $118 | 1.60% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS & ASSOCIATES, INC | 950 WEST NORTON AVENUE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | — | $101 | 1.37% |
| ROBERT J AURIN3 Filed as: ROBERT M LANE | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.56% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.51% |
| TODD DEVOSS3 | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.27% |
| TODD DEVOSS3 | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.18% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 303 WEST ERIRE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.16% |
| JOSEPH A NASCA3 | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.11% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| JACQUELINE CASTRO3 | 1133 NORTH DEARBORN STREET CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $67 | — | $67 | 1.27% |
| HELENE HENDRICKSON3 | 1658 CAMDEN AVE APT 108 LOS ANGELES, CA 90025 | AFLAC | $67 | — | $67 | 1.27% |
| SUSAN C BRIMHALL3 | 155 CYPRESS LANE OLDSMAR, FL 34677 | AFLAC | $65 | — | $65 | 1.23% |
| SANTIAGO & ASSOCIATES LLC3 | 668 BRIDGEVIEW BAY LANE MUSKEGON, MI 49441 | AFLAC | $41 | — | $41 | 0.78% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATION LTD | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | AFLAC | $40 | — | $40 | 0.76% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 303 WEST ERIE SUITE 400 CHICAGO, IL 60654 | AFLAC | $38 | — | $38 | 0.72% |
| JENNIFER R GLASSBERG3 | 307 LIVE OAK LANE BOYNTON, FL 33436 | AFLAC | $37 | — | $37 | 0.70% |
| STEVEN T SPEICHINGER3 | 210 KENT STREET WAUSAU, WI 54403 | AFLAC | $31 | — | $31 | 0.59% |
| ADAM H MICHAELS3 Filed as: ADAM H MICHAELS & ASSOCIATES LTD | 12121 WILSHIRE BLVD SUITE 1225 LOS ANGELES, CA 90025 | AFLAC | $25 | — | $25 | 0.47% |
| BRENDA DELONG BENARY3 | 941 SOUTHEAST WALTERS TERRACE PORT SAINT LUCIE, FL 34983 | AFLAC | $21 | — | $21 | 0.40% |
| JULIE SLAUGHTER3 Filed as: JULIE M SLAUGHTER | PO BOX 2141 FARMINGTON HILLS, MI 48333 | AFLAC | $13 | — | $13 | 0.25% |
| SUSAN C BRIMHALL3 | 155 CYPRESS LANE OLDSMAR, FL 34677 | AFLAC | $13 | — | $13 | 0.25% |
| DARREN EDWARD GALGANO3 | 4701 MIDLOTHIAN TURNPIKE CRESTWOOD, IL 60445 | AFLAC | $11 | — | $11 | 0.21% |
| SUE EUSEPI AND ASSOC INC3 Filed as: SUE EUSEPI AND ASSOCIATES INC | PO BOX 631 JUPITER, FL 33468 | AFLAC | $9 | — | $9 | 0.17% |
| JIMMY LEE3 | 6942 NORTH CENTRAL AVENUE CHICAGO, IL 60646 | AFLAC | $8 | — | $8 | 0.15% |
| CARLOS CASTRESANA3 | 2670 NE 47TH STREET LIGHTHOUSE POINT, FL 33064 | AFLAC | $7 | — | $7 | 0.13% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | AFLAC | $6 | — | $6 | 0.11% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $6 | — | $6 | 0.11% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 360 WEST ILLNOIS STREET APT 9A CHICAGO, IL 60654 | AFLAC | $5 | — | $5 | 0.09% |
| J W GRIMES INC3 | 6165 WATERFORD ROAD REUNION, FL 34747 | AFLAC | $3 | — | $3 | 0.06% |
| JOSEPH A NASCA3 | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60010 | AFLAC | $1 | — | $1 | 0.02% |
| MARC D BARNES3 | 4004 CLINTON AVENUE BERWYN, IL 60402 | AFLAC | $1 | — | $1 | 0.02% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 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 | 204 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 308 | $2.0M |
| Dental | DELTA DENTAL OF ILLINOIS | 176 | $151K |
| Vision | VISION SERVICE PLAN | 160 | $21K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 204 | $148K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 204 | $148K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 204 | $148K |
| Other(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 204 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
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.