| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | PRUDENTIAL GROUP INSURANCE | $6K | — | $6K | 14.42% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $624 | — | $624 | 8.33% |
| KELLY V ZURZOLO3 | 9217 SOUTH IL ROUTE 31 SUITE 200 LAKE IN THE HILLS, IL 60156 | AFLAC | $39 | — | $39 | 3.42% |
| J STEPHEN DAY3 | 956 THOMPSON BOULEVARD BUFFALO GROVE, IL 60089 | AFLAC | $31 | — | $31 | 2.72% |
| DON J CONOYER3 | 303 HOGUE LANE WYLIE, TX 75098 | AFLAC | $20 | — | $20 | 1.75% |
| DOUGH SCHAEN3 | 40392 NORTH SUNSET COURT ANTIOCH, IL 60002 | AFLAC | $5 | — | $5 | 0.44% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | AFLAC | $3 | — | $3 | 0.26% |
| TAMI SPENCE3 | 1315 OLD TIMBER LANE HOFFMAN ESTATES, IL 60192 | AFLAC | $2 | — | $2 | 0.18% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 202 | $7K |
| Life insurance | PRUDENTIAL GROUP INSURANCE | 299 | $43K |
| Long-term disability | PRUDENTIAL GROUP INSURANCE | 299 | $43K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL GROUP INSURANCE | 299 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.