| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 1.85% |
| FLEXIBLE BENEFIT SERVICE CORP3 Filed as: FLEXIBLE BENEFIT SERVICE LLC | 8770 WEST BRYN MAWR AVENUE SUITE 1290W CHICAGO, IL 60631 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.89% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCCE SERVICES, INC. | 353 NORTH CLARK STREET 11TH FLOOR CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.82% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $4K | $23K | 16.26% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 96 | $587K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $139K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $139K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $139K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $139K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 96 | $587K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.