| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 6312 FIDDLERS GREEN CIRCLE SUITE 550E GREENWOOD VILLAGE, CO 801115066 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | $629 | $43K | 5.07% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 321 NORTH CLARK STREET CHICAGO, IL 60654 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 8.79% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 NORTH CLARK STREET CHICAGO, IL 60610 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 10.58% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $770 | — | $770 | 4.95% |
| CLINTON CHARLES ZELEZ3 Filed as: CLINTON C ZELEZ | 6986 WEST QUAIL AVENUE GLENDALE, AZ 85308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $757 | — | $757 | 4.87% |
| JEFF KLEINMAN3 | 2355 WEST PINNACLE PEAK ROAD SUITE 380 PHOENIX, AZ 85027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $159 | — | $159 | 1.02% |
| ELIZABETH B FINEBERG3 | 1614 RED MOUNTAIN DRIVE LONGMONT, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $159 | — | $159 | 1.02% |
| SCOTT ROBERT STORJOHANN3 Filed as: SCOTT R STORJOHANN | 10110 EATON STREET WESTMINSTER, CO 80020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.22% |
| SHAWN D HOLTORF3 | 5522 WEST NORTHWOOD DRIVE GLENDALE, AZ 85310 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.15% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 861 NORTH AUBURNDALE STREET MEMPHIS, TN 38107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.15% |
| JEFFERY S GIBSON3 | 9292 EAST TOPEKA DRIVE SCOTTSDALE, AZ 85255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.08% |
| BARBARA ANN MCNAUGHTON3 Filed as: BARBARA MCNAUGHTON | 337 JOLFFIE ROAD GRANT, AL 35747 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.08% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 321 NORTH CLARK STREET CHICAGO, IL 60654 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $1K | — | $1K | 10.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 321 NORTH CLARK STREET CHICAGO, IL 60654 | CIGNA DENTAL HEALTH PLAN OF CALIFORNIA, INC. | $290 | — | $290 | 9.99% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 321 NORTH CLARK STREET CHICAGO, IL 60654 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $271 | — | $271 | 9.99% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 321 NORTH CLARK STREET CHICAGO, IL 60654 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $84 | — | $84 | 10.00% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $853K |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 99 | $81K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 99 | $64K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 132 | $40K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 132 | $40K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 132 | $40K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 132 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.