| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL SERVICES INC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $96K | $4K | $100K | 4.01% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $9K | 20.81% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 16.11% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $1K | — | $1K | 4.51% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 15.07% |
| REBECCA L LYDON3 | 490 EAST ROOSEVELT ROAD WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.90% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.48% |
| SHEILA M SERAPHIN3 | 3 CHALLY DRIVE YORKVILLE, IL 60560 | CONTINENTAL AMERICAN INSURANCE COMPANY | $725 | — | $725 | 2.73% |
| MARCIN ZUREK3 | 1010 LAKE STREET SUITE 430 OAK PARK, IL 60301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $575 | — | $575 | 2.17% |
| LYNETTE R STEVENS3 | 303 NORTH 3RD STREET WYOMING, IL 61491 | CONTINENTAL AMERICAN INSURANCE COMPANY | $338 | — | $338 | 1.27% |
| DANIELLE E ELLIS3 | 349 EAST CALIFORNIA BOULEVARD PASADENA, CA 91106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $255 | — | $255 | 0.96% |
| JOSHUA J PARISE3 | 7325 JAMES AVENUE WOODRIDGE, IL 60517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $206 | — | $206 | 0.78% |
| CHAD L NELSON3 | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | — | $125 | 0.47% |
| AMY W SHINE3 | 490 EAST ROOSEVELT ROAD WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 0.36% |
| EL TORRO INC3 Filed as: EL TORRO INC. | 14031 JOHN HUMPHREY ORLAND PARK, IL 60462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.24% |
| CHAD L NELSON3 | 5266 NORTH KUFALK LANE BYRON, IL 61010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.20% |
| MARTIN J LEWIS3 | 900 NORTH KINGSBURY AVENUE CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.17% |
| LISA M QUISENBERRY3 | 11 SOUTH OAK BELLEVILLE, IL 32220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.11% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.11% |
| KIMBERLY O'NEILL3 Filed as: KIMBERLY ONEILL | 116 NORTH LINCOLN STREET BRAIDWOOD, IL 60408 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.10% |
| JOSHUA J PARISE3 | 7325 JANES AVENUE WOODRIDGE, IL 60517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.09% |
| MICHAEL S MOORE3 | 2224 WEST WATERFORD COURT ROUND LAKE, IL 60073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.09% |
| CHAD L NELSON3 | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| TIMOTHY B ASBY3 | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| KNUTE NELSON3 Filed as: KNUTE T NELSON | 3920 KIPLING AVENUE MINNEAPOLIS, MN 55416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| 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% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 362 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $158K |
| Vision | VISION SERVICE PLAN | 171 | $29K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $70K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $42K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.