| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KOCHER INSURANCE GROUP, INC.3 Filed as: KOCHER INSURANCE GROUP | 1165 N. CLARK ST, STE 7 CHICAGO, IL 606102982 | RELIASTAR LIFE INSURANCE COMPANY | $32K | — | $32K | 2.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF WISCONSIN EIN 39-0138065 N/A | Float revenue; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $3.5M |
| BENESYS EIN 38-2383171 N/A | Claims processing; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $1.9M |
| CASE MANAGEMENT SPECIALIST, INC. EIN 61-1688248 N/A | Other services Service code 49 | — | $969K |
| OPTUM RX EIN 33-0441200 N/A | Direct payment from the plan; Other fees; Claims processing; Float revenue Service code 12 | — | $355K |
| RREEF AMERICA L.L.C. EIN 58-2364506 N/A | Investment management fees paid directly by plan; Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $287K |
| ZELIS PAYMENTS HOLDINGS, LLC EIN 84-3069529 N/A | Claims processing Service code 12 | — | $258K |
| THE SEGAL COMPANY (MIDWEST), INC EIN 13-1975125 N/A | Consulting (general) Service code 16 | — | $250K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 N/A | Other services Service code 49 | — | $242K |
| INDUSTRY FUND MANAGEMENT PTY LTD N/A | Foreign entity (e.g., an agent or broker, bank, insurance company, etc. not operating within jurisdictional boundaries of the United States); Investment management Service code 28 | 114 WEST 47TH STREET, 26TH FLOOR NEW YORK, NY 10036 | $196K |
| NATIONAL INVESTMENT SERVICES, INC EIN 84-3937993 N/A | Investment management Service code 28 | — | $143K |
| CONSTRUCTION BUSINESS GROUP EIN 39-1703979 AFFILIATED ORGANIZATON | Legal Service code 29 | — | $141K |
| SIERRA INVESTMENT PARTNERS, INC EIN 68-0370668 N/A | Investment management Service code 28 | — | $130K |
| IUOE LOCAL 139 EIN 39-0368025 AFFILIATED LABOR ORGANIZA | Other services; Participant communication Service code 38 | — | $91K |
| SOMMERS AND FARHNRENBACH EIN 36-1796440 N/A | Copying and duplicating Service code 36 | — | $91K |
| BEACH POINT CAPITAL MANAGEMENT LP EIN 80-0242162 N/A | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $87K |
| FOUNDRY PARTNERS, LLC EIN 46-1184506 N/A | Investment management fees paid directly by plan; Securities brokerage commissions and fees; Soft dollars commissions Service code 51 | — | $82K |
| US BANK EIN 31-0841368 N/A | Custodial (securities) Service code 19 | — | $65K |
| REINHART BOERNER VAN DEUREN EIN 39-1126909 N/A | Legal Service code 29 | — | $63K |
| CCSAP EIN 39-1400101 N/A | Accounting (including auditing) Service code 10 | — | $57K |
| ONTECH SYSTEMS INC EIN 20-0636722 N/A | Other services Service code 49 | — | $56K |
| BLACKSTONE N/A | Investment management fees paid indirectly by plan; Investment management; Investment management fees paid directly by plan Service code 28 | 345 PARK AVE NEW YORK, NY 10154 | $55K |
| MARQUETTE ASSOCIATES EIN 36-3485298 N/A | Investment advisory (plan) Service code 27 | — | $48K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 N/A | Accounting (including auditing) Service code 10 | — | $36K |
| STATE BANK OF THE LAKES N/A | Direct payment from the plan; Custodial (securities) Service code 19 | 8700 75TH STREET KENOSHA, WI 53142 | $26K |
| SMART DATA SOLUTIONS EIN 41-2006324 N/A | Other services Service code 49 | — | $18K |
| SEGAL SELECT INS SERVICES, INC. EIN 46-0619194 N/A | Insurance brokerage commissions and fees Service code 53 | — | $14K |
| BURTON & MAYER EIN 39-0192018 N/A | Copying and duplicating Service code 36 | — | $8K |
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 | 7,363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,179 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 9,551 | $1.3M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 9,551 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,551 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.