| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $58K | — | $58K | 3.18% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET CHICAGO, IL 60654 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 38.86% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.46% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $92 | $92 | 0.23% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC | 353 N. CLARK ST STE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $1K | — | $1K | 6.01% |
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 | 261 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 412 | $1.8M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 412 | $1.8M |
| Vision | VISION SERVICE PLAN | 187 | $20K |
| Life insurance(6 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 261 | $65K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 260 | $41K |
| Other(4 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 261 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.