| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $45K | $52K | 6.98% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $829 | $4K | 18.63% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $620 | $3K | 18.63% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $402 | $2K | 18.57% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $662 | $157 | $819 | 18.57% |
| VICKI L CIGER3 | 4020 OAK TREE LANE PLAINFIELD, IL 60586 | AFLAC | $37 | — | $37 | 2.96% |
| MICHAEL ROBERT YURCZYK3 Filed as: MICHAEL ROBERT YARCZYK | 9516 WYOMING TERRACE SOUTH BLOOMINGTON, MN 55438 | AFLAC | $25 | — | $25 | 2.00% |
| MESIROW INSURANCE SERVICES INC3 | 321 NORTH CLARK STREET CHICAGO, IL 60654 | AFLAC | $25 | — | $25 | 2.00% |
| JOEY D JENKINS3 | 14341 MINERVA AVENUE DOLTON, IL 60419 | AFLAC | $15 | — | $15 | 1.20% |
| MICHAEL ROBERT YURCZYK3 | 5810 WEST 78TH STREET SUITE 210 EDINA, MN 55439 | AFLAC | $8 | — | $8 | 0.64% |
| QIANA D COCHRAN3 | 1313 FITZER DRIVE JOLIET, IL 60431 | AFLAC | $8 | — | $8 | 0.64% |
| DARREN EDWARD GALGANO3 | 16824 BLENHEIM WAY MINNETONKA, MN 55345 | AFLAC | $3 | — | $3 | 0.24% |
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 | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $740K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $740K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $740K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 66 | $21K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 69 | $11K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 66 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.