| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK STREET - FL 11 CHICAGO, IL 60654 | BLUECROSS BLUE SHIELD OF ILLINOIS | $47K | — | $47K | 3.96% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST - STE 1100 CHICAGO, IL 60654 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 9.67% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 N CLARK ST - FL 11 CHICAGO, IL 60654 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.84% |
| RALPH WEINER & ASSOCIATES, LLC3 | 720 ASTOR LANE WHEELING, IL 60090 | UNITED HEALTHCARE INSURANCE COMPANY | -$243 | -$231 | -$474 | -0.73% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF ILLINOIS | 138 | $1.2M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 175 | $65K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 175 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.