| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $65K | $2K | $68K | 9.36% |
| VIRTUS LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $55K | — | $55K | 7.60% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N CLARK STREET SUITE 1100 CHICAGO, IA 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $6K | 9.25% |
| VIRTUS LLC3 | 4550 WEST 109TH STREET SUITE 301 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.14% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $644 | $3K | 7.37% |
| VIRTUS LLC3 | 4550 WEST 109TH STREET SUITE 301 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $889 | — | $889 | 2.61% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.01% |
| VIRTUS LLC3 | 9800 METCALF SUITE 500 OVERLAND PARK, KS 66212 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.87% |
| VIRTUS LLC3 | 4550 WEST 109TH STREET SUITE 301 OVERLAND PARK, KS 66211 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $275 | — | $275 | 0.98% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $412 | $2K | 11.36% |
| VIRTUS LLC3 | 4550 WEST 109TH STREET SUITE 301 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $943 | — | $943 | 4.81% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVIICE | 353 N CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $500 | $154 | $654 | 8.90% |
| VIRTUS LLC3 | 4550 WEST 109TH STREET SUITE 301 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $235 | — | $235 | 3.20% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 169 | $721K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 169 | $721K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 306 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $64K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 191 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $20K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.