| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $60K | $6K | $66K | 4.36% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.33% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $617 | — | $617 | 1.67% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $527 | — | $527 | 2.60% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $284 | — | $284 | 1.40% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $774 | — | $774 | 3.90% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $417 | — | $417 | 2.10% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $309 | — | $309 | 2.51% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $305 | — | $305 | 2.48% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $142 | — | $142 | 6.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39 | — | $39 | 1.66% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 190 | $1.5M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 190 | $1.5M |
| Vision | VISION SERVICE PLAN | 79 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $37K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $20K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $20K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.