| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL SERVICES INC | 353 N CLARK ST STE 1100 CHICAGO, IA 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $89K | $4K | $93K | 3.94% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | DELTA DENTAL OF ILLINOIS | $9K | — | $9K | 5.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.70% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.67% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $1K | — | $1K | 4.81% |
| REBECCA L LYDON3 | 490 EAST ROOSEVELT ROAD WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $665 | — | $665 | 2.86% |
| SHEILA M SERAPHIN3 | 3 CHALLY DRIVE YORKVILLE, IL 60560 | CONTINENTAL AMERICAN INSURANCE COMPANY | $642 | — | $642 | 2.77% |
| MARCIN ZUREK3 | 1010 LAKE STREET SUITE 430 OAK PARK, IL 60301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $537 | — | $537 | 2.31% |
| LYNETTE R STEVENS3 | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $484 | — | $484 | 2.08% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $426 | — | $426 | 1.84% |
| JOSHUA J PARISE3 | 7325 JAMES AVENUE WOODRIDGE, IL 60517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $179 | — | $179 | 0.77% |
| CHAD L NELSON3 | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | — | $113 | 0.49% |
| DANIEL E ELLIS3 | 349 EAST CALIFORNIA BOULEVARD PASADENA, CA 91106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | — | $88 | 0.38% |
| CHAD L NELSON3 | 5266 NORTH KUFALK LANE BYRON, IL 61010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.24% |
| MICHAEL S MOORE3 | 2224 WEST WATERFORD COURT ROUND LAKE, IL 60073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.14% |
| JOSHUA J PARISE3 Filed as: JOSHUA J PARISE AND ASSOCIATES | 7325 JANES AVENUE WOODRIDGE, IL 60517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.13% |
| LISA M QUISENBERRY3 | 11 SOUTH OAK BELLEVILLE, IL 62220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.11% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.11% |
| CHAD L NELSON3 | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.10% |
| TIMOTHY B ASBY3 | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| SCOTT LYDEN3 Filed as: SCOTT F LYDEN | 1284 ROSEGATE COURT AURORA, IL 60504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| KNUTE NELSON3 Filed as: KNUTE T NELSON | 3920 KIPLING AVENUE MINNEAPOLIS, MN 55416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| ELIZABETH A LENZO3 | 349 EAST CALIFORNIA BOULEVARD PASADENA, CA 91106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOSEPH A NASCA3 | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TODD DEVOSS3 | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.75% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 336 | $2.4M |
| Dental | DELTA DENTAL OF ILLINOIS | 160 | $176K |
| Vision | VISION SERVICE PLAN | 165 | $28K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $38K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.