| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | — | UNION LABOR LIFE INSURANCE COMPANY | $6K | — | $6K | 2.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | — | DEARBORN NATIONAL LIFE INSURANCE CO | $4K | $6K | $10K | 12.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCARE SERVICE CORPORATION EIN 36-1236610 NONE | Other fees; Contract Administrator Service code 13 | — | $155K |
| BENEFIT MANAGEMENT GROUP, INC. EIN 20-0188125 NONE | Contract Administrator Service code 13 | — | $145K |
| FOSTER & FOSTER EIN 59-1921114 NONE | Actuarial Service code 11 | — | $24K |
| BANSLEY & KIENER, L.L.P. EIN 36-2152389 NONE | Accounting (including auditing) Service code 10 | — | $20K |
| JACOBS, BURNS, ORLOVE & HERNANDEZ EIN 36-2425981 NONE | Legal Service code 29 | — | $17K |
| SEI INVESTMENTS EIN 04-2452803 NONE | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $16K |
| VALENZ EIN 36-4869660 NONE | Other services Service code 49 | — | $11K |
| SCRIPT CARE, LTD EIN 76-0621375 NONE | Other services Service code 49 | — | $9K |
| EMPLOYEE RESOURCE SYSTEMS NONE | Other services Service code 49 | 29 EAST MADISON ST. CHICAGO, IL 60602 | $5K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Investment management; Account maintenance fees Service code 28 | — | $4K |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 124 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE CO | 240 | $78K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 467 | $295K |
| Other | DEARBORN NATIONAL LIFE INSURANCE CO | 240 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.