| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE | 353 N. CLARK ST. CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $38K | $2K | $40K | 4.07% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES IN | 353 N CLARK ST CHICAGO, IL 60654 | UNITEDHEALTHCARE OF CALIFORNIA | $35K | — | $35K | 4.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 4.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 110 CHICAGO, IL 60654 | AETNA LIFE INSURANCE CO. | $8K | $112 | $8K | 4.02% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 110 CHICAGO, IL 60654 | THE UNITED STATES LIFE INSURANCE COMPANY OF THE CITY OF NEW YORK | $692 | — | $692 | 20.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SRVC | 353 N CLARK STREET SUITE 1200 CHICAGO, IL 60654 | HARTFORD LIFE AND ACCIDENT | $474 | — | $474 | 20.02% |
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 | 199 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 156 | $2.5M |
| Dental | AETNA LIFE INSURANCE CO. | 466 | $204K |
| Life insurance(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 199 | $69K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 199 | $63K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 199 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.