| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH SHORE BENEFITS PARTNERS3 | 527 WEST OLD NORTHWEST HIGHWAY SUITE 304 BARRINGTON, IL 60010 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 1.15% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 1.03% |
| POWERS INSURANCE PARTNERS LLC3 | 545 CEDAR LANE LOMBARD, LA 60148 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 6.18% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60610 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 2.12% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $1.4M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $86K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $86K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $86K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.