| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | $50K | $3K | $53K | 4.13% |
| MESIROW INSURANCE SERVICES INC3 | — | DELTA DENTAL OF ILLINOIS | $7K | — | $7K | 9.93% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK ST CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.89% |
| BSP GROUP BENEFITS INC3 | 206 S JEFFERSON SUITE 200 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.62% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SRVCS INC | 353 NORTH CLARK ST CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.18% |
| BSP GROUP BENEFITS INC3 | 206 S JEFFERSON SUITE 200 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.61% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SRVCS INC | 353 NORTH CLARK ST CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 11.60% |
| BSP GROUP BENEFITS INC3 | 206 S JEFFERSON SUITE 200 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.60% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL SERVICES INC | 353 NORTH CLARK ST 400 CHICAGO, IL 60654 | EYEMED VISION CARE | $698 | — | $698 | 5.87% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL | 353 NORTH CLARK ST CHICAGO, IL 60654 | EYEMED VISION CARE | $399 | — | $399 | 3.36% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL | 353 NORTH CLARK ST #400 CHICAGO, IL 60654 | EYEMED VISION CARE | $196 | — | $196 | 1.65% |
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 | 238 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 238 | $1.3M |
| Dental | DELTA DENTAL OF ILLINOIS | 147 | $67K |
| Vision | EYEMED VISION CARE | 196 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 170 | $46K |
| Short-term disability | STANDARD INSURANCE COMPANY | 168 | $29K |
| Long-term disability | STANDARD INSURANCE COMPANY | 170 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.