| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET #400 CHICAGO, IL 60654 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $46K | $3K | $49K | 4.18% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC | 6400 SOUTH FIDDLERS GREEN CIRCLE GREENWOOD VILLAGE, CO 80111 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 8.05% |
| BSP GROUP BENEFITS INC3 Filed as: BSP GROUP BENEFITS, INC | 206 SOUTH JEFFERSON STREET CHICAGO, IL 60661 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | PRINCIPAL LIFE INSURANCE COMPANY | — | $584 | $584 | 0.57% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MEISROW INSURANCE SERVICES INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 12.73% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $679 | $6K | 16.81% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET #400 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.49% |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 189 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $102K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 172 | $10K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $84K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $49K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.