| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100Q CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | — | $33K | 2.24% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLD RD FL 11TH SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 0.75% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK CHICAGO, IL 60654 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $47K | $6 | $47K | 4.07% |
| O'NEIL INDUSTRIES, INC.3 Filed as: O'NEIL INDUSTRIES INC | 1245 W WASHINGTON BLVD CHICAGO, IL 60607 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE OF CALIFORNIA | $15K | — | $15K | 4.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 4.06% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 110 CHICAGO, IL 60654 | AETNA LIFE INSURANCE CO | $15K | — | $15K | 5.94% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $11K | $3K | $14K | 16.33% |
| ADLER ASSOCIATES LTD3 | — | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 12.30% |
| MESIROW INSURANCE SERVICES INC3 | — | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 9.11% |
| ADLER ASSOCIATES LTD3 | — | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.11% |
| MESIROW INSURANCE SERVICES INC3 | — | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.86% |
| ADLER ASSOCIATES LTD3 | — | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.55% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | — | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.75% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
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 | 581 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $3.3M |
| Dental | AETNA LIFE INSURANCE CO | 581 | $254K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 448 | $36K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 253 | $85K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 253 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.