| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 N CLARK ST CHICAGO, IL 60654 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT / MESIROW INSURANCE SERVICE | 353 N CLARK ST CHICAGO, IL 606544704 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $89 | $11K | 13.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT / MESIROW INSURANCE SERVICE | 353 N CLARK ST STE 400 CHICAGO, IL 606543452 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.60% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST STE 1100 CHICAGO, IL 606543454 | VISION SERVICE PLAN | $1K | — | $1K | 5.68% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT / MESIROW INSURANCE SERVICE | 353 N CLARK ST CHICAGO, IL 606544704 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $89 | $2K | 19.96% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT / MESIROW INSURANCE SERVICE | 353 N CLARK ST STE 400 CHICAGO, IL 606543452 | METROPOLITAN LIFE INSURANCE COMPANY | — | $156 | $156 | 1.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MESIROW INSURANCE SERVICES INC NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 353 N CLARK ST CHICAGO, IL 60654 | $159K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Direct payment from the plan; Claims processing; Participant communication; Contract Administrator; Non-monetary compensation; Other services; Named fiduciary; Float revenue Service code 12 | — | $44K |
| CIGNA | Participant communication; Named fiduciary; Direct payment from the plan; Other services; Non-monetary compensation; Float revenue; Claims processing; Contract Administrator Service code 12 | — | $0 |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 342 | $628K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 342 | $617K |
| Vision | VISION SERVICE PLAN | 195 | $19K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 355 | $79K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $7K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 355 | $79K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 355 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.