| 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 | $85K | $2K | $87K | 4.10% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $24K | $6K | $30K | 18.91% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | DELTA DENTAL OF ILLINOIS | $7K | — | $7K | 4.60% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $1K | — | $1K | 5.34% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $448 | — | $448 | 5.36% |
| KRISTI L HARSHBARGER3 | 545 WEST BROMPTON CHICAGO, IL 60657 | CONTINENTAL AMERICAN INSURANCE COMPANY | $247 | — | $247 | 2.95% |
| SANTIGO & ASSOCIATES LLC3 | 950 WEST NORTON AVENUE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | — | $173 | 2.07% |
| NASCA & ASSOCIATES3 | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | — | $149 | 1.78% |
| ROCKWELL & ASSOCIATES3 | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $141 | — | $141 | 1.69% |
| ANNA ELIZABETH INC3 Filed as: ANNA E RECCHIA | 1142 WEST MADISON CHICAGO, IL 60607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.77% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS & ASSOCIATES, INC | 950 WEST NORTON AVENUE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.59% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.42% |
| TODD DEVOSS3 | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.17% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 303 WEST ERIRE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.16% |
| TODD DEVOSS3 | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.13% |
| JOHN H VRATSINAS3 | 1142 WEST MADISON #305 CHICAGO, IL 60607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.08% |
| JOSEPH A NASCA3 | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.06% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 314 | $2.1M |
| Dental | DELTA DENTAL OF ILLINOIS | 178 | $154K |
| Vision | VISION SERVICE PLAN | 158 | $22K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 206 | $157K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 206 | $157K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 206 | $157K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 206 | $165K |
| 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.