| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $58K | $60K | 3.11% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $5K | $19K | 9.82% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $2K | $13K | 16.97% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $1K | $11K | 16.82% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MIESIROW INSURANCE SERVICES | 353 N CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 30.59% |
| MICHAEL ROBERT YURCZYK3 Filed as: MICHAEL R YURCZYK | 111 W JACKSON BLVD 17TH FLOOR CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.90% |
| ANDREW CASPERSON3 Filed as: ANDREW CASPERSON AND ASSOCIATES | 303 W ERIE STREET 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.25% |
| ALEX HUEBNER3 | 401 W FULLERTO N PKWY APARTMENT 1508E CHICAGO, IL 60614 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.61% |
| ANDREW CASPERSON3 | 303 W ERIE STREET 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $899 | — | $899 | 1.56% |
| JOHN H VRATSINAS3 | 1142 WEST MADISON #305 CHICAGO, IL 60607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $783 | — | $783 | 1.36% |
| NASCA & ASSOCIATES3 | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $783 | — | $783 | 1.36% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 426 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 600 | $192K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 426 | $1.9M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $68K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 226 | $77K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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.