| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST, STE 400 CHICAGO, IL 60654 | DEAN HEALTH PLAN INC | $100K | — | $100K | 2.86% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST, STE 400 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 16.09% |
| INCOME ASSOCIATES LLC | PO BOX 510938 MILWAUKEE, WI 53203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.07% |
| JEFFREY S BENSMAN | PO BOX 510938 MILWAUKEE, WI 53203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $951 | — | $951 | 2.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MESIROW INSURANCE SERVICES INC | Insurance agents and brokers Service code 22 | 353 N CLARK ST STE 110 CHICAGO, IL 60654 | $65K |
| DELTA DENTAL OF WI EIN 39-6094742 | Contract Administrator Service code 13 | — | $18K |
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 | 410 | 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) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DEAN HEALTH PLAN INC | 609 | $4.9M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $69K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $69K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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.