| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $65K | $172K | $237K | 2.62% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $66K | $583 | $67K | 8.81% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | KAISER FOUNDATION HEALTH PLAN INC | $26K | — | $26K | 4.62% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN INC | — | $163 | $163 | 0.03% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 4.83% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN INC | — | $14 | $14 | 0.01% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 10.83% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE ROAD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 27.74% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $75 | $15K | 18.59% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE ROAD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | — | $29K | 37.25% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $73 | $19K | 24.93% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE ROAD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | — | $31K | 42.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $71 | $21K | 28.76% |
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 | 2,935 | 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) | 2,935 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,125 | $9.9M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,378 | $9.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,762 | $120K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,378 | $759K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,378 | $759K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,378 | $759K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,378 | $987K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,378 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.