| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N. CLARK ST. STE. 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $48K | $54K | 2.70% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N. CLARK ST. STE. 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.41% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N. CLARK ST. STE. 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 18.81% |
| BENEFIT ADVISORS SVCS GRP LLC3 Filed as: BENEFIT ADVISORS SVCS. GRP. LLC | 1120 SANCTUARY PKWY. STE. 375 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $476 | — | $476 | 1.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N. CLARK ST. STE. 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $6K | 18.72% |
| BENEFIT ADVISORS SVCS GRP LLC3 Filed as: BENEFIT ADVISORS SVCS. GRP. LLC | 1120 SANCTUARY PKWY. STE. 375 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $298 | — | $298 | 1.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N. CLARK ST. STE. 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $479 | $2K | 18.68% |
| BENEFIT ADVISORS SVCS GRP LLC3 Filed as: BENEFIT ADVISORS SVCS. GRP. LLC | 1120 SANCTUARY PKWY. STE. 375 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $130 | — | $130 | 1.00% |
| CHAD L NELSON3 Filed as: CHAD L. NELSON | 5266 N. KUFALK LN. BYRON, IL 61010 | AFLAC | $243 | — | $243 | 2.62% |
| MONICA B SMITH3 Filed as: MONICA B. SMITH | 8760 WINDWOOD CLOSE ROCKFORD, IL 61108 | AFLAC | $214 | — | $214 | 2.31% |
| DENNIS J CASSENS3 Filed as: DENNIS J. CASSENS | 4646 E. MARRILL RD. BYRON, IL 61010 | AFLAC | $115 | — | $115 | 1.24% |
| ACRISURE LLC3 | P.O. BOX 561567 MIAMI, FL 33256 | AFLAC | $98 | — | $98 | 1.06% |
| DEBORAH L CAIN3 Filed as: DEBORAH L. CAIN | 8617 GLENMORE DR. LAS VEGAS, NV 89134 | AFLAC | $70 | — | $70 | 0.75% |
| RUSSELL NOWAK3 | 8009 VALLEY DRIVE PALOS HILLS, IL 60465 | AFLAC | $62 | — | $62 | 0.67% |
| ELISZABETH M. GASPAROVIC3 | 1531 W. RUE JAMES PL. PALATINE, IL 60067 | AFLAC | $41 | — | $41 | 0.44% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 321 N. CLARK ST. CHICAGO, IL 60654 | AFLAC | $41 | — | $41 | 0.44% |
| WAYNE R BALL3 Filed as: WAYNE R. BALL | 3088 HILLBROOK LN. APT. 104 AURORA, IL 60502 | AFLAC | $35 | — | $35 | 0.38% |
| MICHAEL ROBERT YURCZYK3 | 5810 W. 78TH ST. STE. 210 EDINA, MN 55439 | AFLAC | $33 | — | $33 | 0.36% |
| LAUREN ISAACSON3 | 33 SE 8TH ST. APT. 312 BOCA RATON, FL 33432 | AFLAC | $29 | — | $29 | 0.31% |
| JAVIER ORTIZ3 | 165 NE 96TH ST. MIAMI SHORES, FL 33138 | AFLAC | $19 | — | $19 | 0.20% |
| ROLANDO DARIO RICCIO3 | 550 SE MIZNER BLVD. APT. 709B BOCA RATON, FL 33432 | AFLAC | $18 | — | $18 | 0.19% |
| ARMANDO J CARDENAS3 Filed as: ARMANDO J. CARDENAS | 4320 CRAWFORD DRIVE APT. #1 ROCKFORD, IL 61114 | AFLAC | $14 | — | $14 | 0.15% |
| GREGORY J SHARP3 Filed as: GREGORY J. SHARP | 702 E. 5TH ST. COAL VALLEY, IL 61240 | AFLAC | $13 | — | $13 | 0.14% |
| ANTHONY ROJAS3 | 3211 NW 123RD TER. FORT LAUDERDALE, FL 33323 | AFLAC | $12 | — | $12 | 0.13% |
| THE ERIKSEN INSURANCE GROUP INC3 Filed as: THE ERIKSEN INSURANCE GROUP, INC. | 903 MCCONNOICHE CT. WEST DUNDEE, IL 60118 | AFLAC | $10 | — | $10 | 0.11% |
| G SCOTT COOKE3 Filed as: G. SCOTT COOKE | 2832 NE 17TH AVE. WILTON MANORS, FL 33334 | AFLAC | $9 | — | $9 | 0.10% |
| KATTY W COHEN3 Filed as: KATTY W. COHEN | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $8 | — | $8 | 0.09% |
| KRISTIAN G ERIKSEN3 Filed as: KRISTIAN G. ERIKSEN | 903 MCCONNOICHE CT. WEST DUNDEE, IL 60118 | AFLAC | $7 | — | $7 | 0.08% |
| RUSSELL SHAYNE FOX3 Filed as: RUSSELL SAYNE FOX | 5241 CEDAR LAKE RD. APT. 434 BOYNTON BEACH, FL 33437 | AFLAC | $5 | — | $5 | 0.05% |
| JOHN H VRATSINAS3 Filed as: JOHN H. VRATSINAS | 1142 W. MADISON ST. UNIT 305 CHICAGO, IL 60607 | AFLAC | $4 | — | $4 | 0.04% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY B. ASBY | 11500 GOLDEN WILLOW CT. ZIONSVILLE, IN 46077 | AFLAC | $1 | — | $1 | 0.01% |
| ELIZABETH A LENZO3 Filed as: ELIZABETH A. LENZO | 1840 VIA DEL REY SOUTH PASADENA, CA 91030 | AFLAC | $1 | — | $1 | 0.01% |
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 | 482 | 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) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 482 | $2.0M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $13K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $48K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 197 | $30K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 482 | — |
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.