| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N. CLARK STREET CHICAGO, IL 60654 | BLUE CROSS BLUE SHIELD | $105K | $3K | $108K | 3.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK STREET STE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 2.09% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 13.45% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 10.97% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 10.57% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURNACE SERVICES, INC. | 353 N. CLARK STREET SUITE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $2K | — | $2K | 4.36% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $476 | $2K | 12.94% |
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 | 333 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 812 | $3.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,145 | $305K |
| Vision | VISION SERVICE PLAN | 241 | $37K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 329 | $90K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 329 | $58K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $61K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 329 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,145 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.