| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK ST CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $46K | $3K | $49K | 4.11% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK ST STE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 10.59% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 16.75% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $943 | $9K | 37.76% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL | 353 NORTH CLARK ST CHICAGO, IL 60654 | EYEMED VISION CARE | $741 | — | $741 | 10.09% |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 225 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $73K |
| Vision | EYEMED VISION CARE | 114 | $7K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $88K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $24K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.