| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $99K | $2K | $101K | 4.36% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | DEARBORN LIFE INSURANCE COMPANY | $22K | — | $22K | 14.93% |
| PLANNED ADMINISTRATORS, INC.3 Filed as: PLANNED ADMINISTRATORS, INC | — | PLANNED ADMINISTRATORS INC | — | $24K | $24K | 18.79% |
| INSURANCE APPLICATIONS GROUP3 | — | PLANNED ADMINISTRATORS INC | — | $16K | $16K | 12.36% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERRVICES, INC | — | PLANNED ADMINISTRATORS INC | — | $6K | $6K | 5.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 7.53% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 353 NORTH CLARK STREET 11TH FLOOR CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $603 | — | $603 | 2.46% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | NATIONWIDE | $1K | — | $1K | 10.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET #1100 CHICAGO, IL 60654 | AMERITAS | $719 | — | $719 | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 3.69% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $190 | $1 | $191 | 6.73% |
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 | 703 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 395 | $2.4M |
| Dental(5 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 395 | $2.4M |
| Vision(5 contracts, 3 carriers) | PLANNED ADMINISTRATORS INC | 395 | $159K |
| Life insurance(5 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 395 | $288K |
| Short-term disability(5 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 395 | $288K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 257 | $147K |
| Stop-loss / reinsurancereinsurance(4 contracts, 2 carriers) | NATIONWIDE | 342 | $20K |
| Other(8 contracts, 6 carriers) | DEARBORN LIFE INSURANCE COMPANY | 395 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.