| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | — | BLUECROSS BLUESHIELD OF ILLINOIS | $192K | — | $192K | 2.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT | — | BLUECROSS BLUESHIELD OF ILLINOIS | — | $6K | $6K | 0.07% |
| MESIROW INSURANCE SERVICES INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $83K | — | $83K | 5.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SERVICES INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $57K | — | $57K | 20.36% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 4.13% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $6K | — | $6K | 4.54% |
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 | 533 | 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) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,479 | $9.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 563 | $281K |
| Vision | VISION SERVICE PLAN | 537 | $134K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 563 | $281K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 563 | $281K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 1,479 | $9.4M |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 563 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,479 | — |
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."
No prospect flags tripped on this filing.