| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 0.46% |
| VANBRIDGE LLC3 | 1185 AVENUE OF THE AMERICAS FLOOR 36 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 0.38% |
| MURPHY INSURANCE SERVICES INC3 Filed as: MURPHY INSURANCE GROUP LLC | 251 PROGRESS WAY SUITE 300 WAUNAKEE, WI 53597 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $25 | $25 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 8.90% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 4.85% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | DELTA DENTAL OF WISCONSIN | $4K | — | $4K | 3.13% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | DELTA DENTAL OF WISCONSIN | $2K | — | $2K | 3.24% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | WYSSTA INSURANCE COMPANY, INC. | $2K | — | $2K | 7.97% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 12.26% |
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 | 417 | 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) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 586 | $3.3M |
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 139 | $192K |
| Vision | WYSSTA INSURANCE COMPANY, INC. | 201 | $28K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $162K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $162K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $162K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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.