| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET CHICAGO, IL 60654 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $73K | $3K | $76K | 3.11% |
| ABERCROMBIE & KENT USA3 | 1411 OPUS PLACE DOWNERS GROVE, IL 60515 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | DEARBORN LIFE INSURANCE COMPANY | $28K | $5K | $33K | 17.60% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | DELTA DENTAL OF ILLINOIS | $9K | — | $9K | 5.44% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $1K | — | $1K | 4.42% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $310 | — | $310 | 4.03% |
| KRISTI L HARSHBARGER3 | 545 W BROMPTON CHICAGO, IL 60657 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | — | $205 | 2.66% |
| SANTIAGO & ASSOCIATES LLC3 Filed as: SANTIAGO & ASSOCIATES | 950 W. NORTON AVE SUITE 201 MUSKEGON, MA 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $167 | — | $167 | 2.17% |
| ROCKWELL & ASSOCIATES3 | 303 WEST ERIE ST SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | — | $142 | 1.85% |
| NASCA & ASSOCIATES3 | 3030 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | — | $140 | 1.82% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.74% |
| LUKE A ROCKWELL3 | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.44% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.39% |
| K HARRIS & ASSOCIATES, LLC3 | 950 W. NORTON AVE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.38% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 303 WEST ERIRE SUITE 400 CHICAGO, IN 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.16% |
| TODD DEVOSS3 | 321 N. CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.13% |
| TODD DEVOSS3 | 321 N. CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.12% |
| ANNA ELIZABETH INC3 Filed as: ANNA E RECCHIA | 401 N BIRCH RD UNIT 1112 FORT LAUDERDALE, FL 33304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.10% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| JV FLORIDA INSURANCE CORP3 Filed as: JV FLORIDA INSURANCECORP | 2821 NORTH OCEAN BLVD #305 FT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.03% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 421 | $2.4M |
| Dental | DELTA DENTAL OF ILLINOIS | 221 | $165K |
| Vision | VISION SERVICE PLAN | 199 | $26K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 250 | $185K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 250 | $185K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 250 | $185K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 250 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.