| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES LLC | 3025 HIGHLAND PARKWAY SUITE DOWNERS GROVE, IL 60515 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $25K | $756 | $26K | 2.12% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 150 S LAKESIDE DR BANNOCKBURN, IL 60015 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $23K | $0 | $23K | 1.88% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES LLC | 3025 HIGHLAND PARKWAY SUITE 650 DOWNERS GROVE, IL 60615 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 3.08% |
| MESIROW INSURANCE SERVICES INC3 | 1500 S LAKESIDE DR BANNOCKBURN, IL 60015 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 1.54% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES LLC | 3025 HIGHLAND PKWY STE 650 DOWNERS GROVE, IL 60515 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 6.25% |
| MESIROW INSURANCE SERVICES INC3 | 353 N. CLARK ST. CHICAGO, IL 60610 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 5.95% |
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 | 158 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 214 | $1.2M |
| Dental | UNION SECURITY INSURANCE COMPANY | 101 | $111K |
| Vision | UNION SECURITY INSURANCE COMPANY | 101 | $111K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $62K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $62K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $62K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.