| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST CHICAGO, IL 606544704 | UNITED HEALTHCARE INSURANCE COMPANY | — | $166K | $166K | 0.95% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N. CLARK ST CHICAGO, IL 60654 | DELTA DENTAL OF ILLINOIS | $32K | — | $32K | 5.00% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DR BLOOMINGTON, IL 61701 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 3.62% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DR. BLOOMINGTON, IL 61701 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 3.76% |
| MICHAEL L. SEBENS3 | 2412 CHERRY HILLS DR. CHAMPAIGN, IL 61822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $6K | $19K | 17.72% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 E. 1ST STREET SUITE #400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $5K | $18K | 16.81% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DR BLOOMINGTON, IL 61701 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.75% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 E. 1ST STREET SUITE #400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $5K | $27K | 38.84% |
| MICHAEL L. SEBENS3 | 2412 CHERRY HILLS DR. CHAMPAIGN, IL 61822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $5K | $15K | 21.83% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DR BLOOMINGTON, IL 61701 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.79% |
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 | 957 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 966 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,791 | $17.5M |
| Dental | DELTA DENTAL OF ILLINOIS | 860 | $647K |
| Vision | VISION SERVICE PLAN | 779 | $102K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,093 | $60K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 200 | $71K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,092 | $84K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 1,791 | $17.5M |
| Other(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,093 | $576K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,791 | — |
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.