| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK CHICAGO, IL 60654 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $31K | $7 | $31K | 4.33% |
| YORK ENTERPRISE SOLUTIONS INC3 | 1 WESTBROOK CORPORATE CENTER STE 910 WESTCHESTER, IL 60154 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK ST CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.14% |
| BSP GROUP BENEFITS INC3 | 206 S JEFFERSON ST CHICAGO, IL 60661 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.32% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $575 | $4K | 14.47% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK ST #400 CHICAGO, IL 60654 | EYEMED VISION CARE | $416 | — | $416 | 5.13% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL | 353 NORTH CLARK ST CHICAGO, IL 60654 | EYEMED VISION CARE | $245 | — | $245 | 3.02% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL | 353 NORTH CLARK ST #400 CHICAGO, IL 60654 | EYEMED VISION CARE | $196 | — | $196 | 2.42% |
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 | 221 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 165 | $718K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 170 | $68K |
| Vision | EYEMED VISION CARE | 139 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $30K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $30K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.