| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK ST. #400 CHICAGO, IL 60654 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $38K | $2K | $41K | 4.21% |
| BSP GROUP BENEFITS INC3 Filed as: BSP GROUP BENEFITS, INC | 206 S JEFFERSON ST CHICAGO, IL 60661 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 6.08% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC | 353 N CLARK ST STE 100 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.34% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MEISROW INSURANCE SERVICES INC | 353 N CLARK ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $714 | $5K | 12.73% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $420 | $4K | 15.39% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $671 | $5K | 22.64% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET #400 CHICAGO, IL 60654 | EYEMED VISION CARE | $1K | $0 | $1K | 8.73% |
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 | 246 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 199 | $966K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $95K |
| Vision | EYEMED VISION CARE | 182 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $63K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $40K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.