| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $67K | $2K | $69K | 3.61% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK STREET SUITE 1100 CHICAGO, IL 60654 | DEARBORN LIFE INSURANCE COMPANY | $16K | $7K | $24K | 16.12% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.18% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SRVCS INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.80% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 353 N CLARK STREET 11TH FLOOR CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.20% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SRVCS INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $888 | — | $888 | 9.42% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 353 N CLARK STREET 11TH FLOOR CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $856 | — | $856 | 9.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | — | $594 | $594 | 6.30% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | — | $112 | $112 | 2.18% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SRVCS INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $93 | — | $93 | 1.81% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 353 N CLARK STREET 11TH FLOOR CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $62 | — | $62 | 1.20% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 234 | $1.9M |
| Dental | STANDARD INSURANCE COMPANY | 170 | $97K |
| Vision(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 207 | $152K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 207 | $147K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 207 | $147K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 207 | $147K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 207 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.