| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC | 353 NORTH CLARK CHICAGO, IL 60654 | BLUECORSS BLUESHIELD OF ILLINOIS | $59K | — | $59K | 4.05% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.10% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 11.04% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.78% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $977 | $3K | 20.88% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $2K | — | $2K | 10.03% |
| MARTHA A DUBOIS3 Filed as: MARTHA DUBOIS | 8431 SOUTH 84TH AVENUE HICKORY HILLS, IL 60457 | AFLAC | $572 | $40 | $612 | 5.12% |
| LA FREY AND ASSOCIATES INC3 | 14466 SOUTH ELIZABETH LANE HOMER GLEN, IL 60491 | AFLAC | $177 | — | $177 | 1.48% |
| MESIROW INSURANCE SERVICES INC3 | 321 NORTH CLARK STREET CHICAGO, IL 60610 | AFLAC | $155 | — | $155 | 1.30% |
| HUERTA AND ASSOCIATES INC3 Filed as: HUERTA AND ASSOC INC | 9701 SOUTH 78TH AVENUE SUITE 202 HICKORY HILLS, IL 60457 | AFLAC | $150 | $4 | $154 | 1.29% |
| H J SAMAAN INC3 | 19W152 21ST PLACE LOMBARD, IL 60148 | AFLAC | $100 | — | $100 | 0.84% |
| JEFFREY LYNN LAMBERT3 Filed as: JEFFREY LAMBERT | 7 CENTER STREET HINSDALE, IL 60521 | AFLAC | $50 | $4 | $54 | 0.45% |
| JOHN H VRATSINAS3 Filed as: JOHN VRATSINAS | 100 WEST CYPRESS CREEK ROAD SUITE 630 FT LAUDERDALE, FL 33309 | AFLAC | $47 | $7 | $54 | 0.45% |
| MICHAEL YURCZYK3 | 9516 WYOMING TERRACE SOUTH BLOOMINGTON, MN 55436 | AFLAC | $43 | — | $43 | 0.36% |
| STEPHANIE R KLADIS3 Filed as: STEPHANIE KLADIS | 7517 WEST HANOVER STREET SUMMIT ARGO, IL 60501 | AFLAC | $18 | — | $18 | 0.15% |
| TODD DEVOSS3 | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $15 | — | $15 | 0.13% |
| JOSEPH P CALARCO3 Filed as: JOSEPH NASCA | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60010 | AFLAC | $15 | — | $15 | 0.13% |
| ROBERT G MURPHY3 Filed as: ROBERT MURPHY | 2824 VILLAGE GREEN DRIVE APARTMENT A1 AURORA, IL 60504 | AFLAC | $15 | — | $15 | 0.13% |
| SANDRA SOLDAT3 | 732 7TH AVENUE LA GRANGE, IL 60525 | AFLAC | $13 | — | $13 | 0.11% |
| ANNA ELIZABET RECCHIA3 Filed as: ANNA RECCHIA | 7 SOUTH ABERDEEN STREET APARTMENT 2C CHICAGO, IL 60507 | AFLAC | $11 | — | $11 | 0.09% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | AFLAC | $10 | — | $10 | 0.08% |
| BARBIER GROUP INC3 | 414 NORTH ORLEANS STREET SUITE 601 CHICAGO, IL 60654 | AFLAC | $2 | — | $2 | 0.02% |
| ELIZABETH M GASPAROVIC3 Filed as: ELIZABETH GASPAROVIC | 1531 WEST RUE JAMES PLACE PALATINE, IL 60067 | AFLAC | $2 | — | $2 | 0.02% |
| GREGORY SHARP3 | 702 EAST 5TH STREET COAL VALLEY, IL 61240 | AFLAC | $0 | — | $0 | 0.00% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECORSS BLUESHIELD OF ILLINOIS | 246 | $1.5M |
| Dental | DELTA DENTAL OF ILLINOIS | 103 | $117K |
| Vision | VISION SERVICE PLAN | 103 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $17K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $23K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $49K |
| 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.