| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL SERVICES INC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $99K | $4K | $103K | 3.93% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $35 | $7K | 5.01% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 19.31% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.30% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.10% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 9.46% |
| SHEILA M SERAPHIN3 | 3 CHALLY DRIVE YORKVILLE, IL 60560 | CONTINENTAL AMERICAN INSURANCE COMPANY | $654 | — | $654 | 2.09% |
| MARCIN ZUREK3 | 1010 LAKE STREET SUITE 430 ONE PARK, IL 60301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $519 | — | $519 | 1.66% |
| EL TORRO INC3 Filed as: EL TORRO INC. | 5425 MILLS RIDGE DRIVE SOUTHWEST WYOMING, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $393 | — | $393 | 1.26% |
| THE PROFECTUS GROUP LLC3 Filed as: THE PROFECTUS GROUPLLC | 450 WEST WILSON BRIDGE ROAD SUITE 110 WORTHINGTON, OH 43085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $280 | — | $280 | 0.89% |
| LYNETTE R STEVENS3 | 303 NORTH 3RD STREET WYOMING, IL 61491 | CONTINENTAL AMERICAN INSURANCE COMPANY | $255 | — | $255 | 0.81% |
| JOSHUA J PARISE3 | 7325 JAMES AVENUE WOODRIDGE, IN 60517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $188 | — | $188 | 0.60% |
| REBECCA L LYDON3 | 490 EAST ROOSEVELT ROAD WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | — | $127 | 0.41% |
| CHAD L NELSON3 | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | — | $113 | 0.36% |
| DANIEL E ELLIS3 | 349 EAST CALIFORNIA BOULEVARD PASADENA, CA 91106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | — | $68 | 0.22% |
| AMY W SHINE3 | 490 EAST ROOSEVELT ROAD WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.18% |
| CHAD L NELSON3 | 5266 NORTH KUFALK LANE BYRON, IL 61010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.14% |
| AARON J DUNNILL3 | 1137 EAST 5000 NORTH ROAD BOURBONNAIS, IL 60914 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.10% |
| LISA M QUISENBERRY3 | 11 SOUTH OAK BELLEVILLE, IL 62220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.09% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.09% |
| JOSHUA J PARISE3 Filed as: JOSHUA J PARISE ANDASSOCIATES | 7325 JANES AVENUE WOODRIDGE, IL 60517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.07% |
| MICHAEL S MOORE3 | 2224 WEST WATERFORD COURT ROUND LAKE, IL 60073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.07% |
| KIMBERLY O'NEILL3 Filed as: KIMBERLY ONEILL | 116 NORTH LINCOLN STREET BRAIDWOOD, IL 60408 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| CHAD L NELSON3 | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| TIMOTHY B ASBY3 | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| SCOTT LYDEN3 Filed as: SCOTT F LYDEN | 1284 ROSEGATE COURT AURORA, IN 60504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| 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% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $1K | — | $1K | 4.72% |
| KAMM INSURANCE GROUP3 Filed as: KAMM INSURANCE GROUP INC. | 7N024 MEDINAH ROAD MEDINAH, IL 60157 | FEDERAL INSURANCE COMPANY | $1K | $90 | $1K | 16.22% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 357 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 601 | $145K |
| Vision | VISION SERVICE PLAN | 176 | $29K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $76K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $45K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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.