| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC | 353 N CLARK ST, STE 400 CHICAGO, IL 60654 | DEAN HEALTH PLAN INC | $82K | — | $82K | 2.96% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST, STE 400 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $57K | $57K | 4.17% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST, STE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $2K | $19K | 8.40% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST, STE 400 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 8.19% |
| INCOME ASSOCIATES LLC | P.O. BOX 510938 MILWAUKEE, WI 53203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $856 | — | $856 | 3.03% |
| JEFFREY S BENSMAN | P.O. BOX 510938 MILWAUKEE, WI 53203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $556 | — | $556 | 1.97% |
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 | 418 | 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) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DEAN HEALTH PLAN INC | 631 | $4.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 798 | $229K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 404 | $173K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 404 | $173K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 404 | $173K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 404 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 798 | — |
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."
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.