Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
HealthPPO | HealthPPO | |
Stop-loss | Stop-loss | |
Broker: Larry Lucco LifeOther | LifeOther | |
Dental | Dental |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 4 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,832 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,832 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 4,341 | $21.6M |
| Dental | DELTA DENTAL OF ILLINOIS | 1,785 | $38K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,861 | $77K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,778 | $1.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,861 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,341 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Metropolitan Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROFESSIONAL BENEFIT ADMINISTRATORS EIN 38-3668782 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $554K |
| EMPLOYEE 1 EIN 30-0088171 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $152K |
| MIDWEST REGION HEALTH & SAFETY FUND EIN 37-1384481 NONE | Other services; Direct payment from the plan Service code 49 | — | $136K |
| EMPLOYEE 2 EIN 30-0088171 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $112K |
| EMPLOYEE 4 EIN 30-0088171 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $107K |
| EMPLOYEE 3 EIN 30-0088171 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $87K |
| SAVRX EIN 86-1323040 NONE | Other services; Direct payment from the plan Service code 49 | — | $75K |
| THE SEGAL COMPANY (MIDWEST) INC. EIN 13-1975125 NONE | Actuarial; Consulting (general) Service code 11 | — | $69K |
| EMPLOYEE 5 EIN 30-0088171 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $64K |
| CAVANAGH & O'HARA LLP EIN 37-1259635 NONE | Legal; Direct payment from the plan Service code 29 | — | $55K |
| COMPREHENSIVE HEALTHCARE SYSTEMS, I EIN 01-0589640 NONE | Direct payment from the plan; Other services Service code 49 | — | $51K |
| INETICO, LLC DBA VALENZ CARE EIN 36-4869660 NONE | Direct payment from the plan; Other services Service code 49 | — | $47K |
| MARQUETTE & ASSOCIATES EIN 36-3485298 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $40K |
| ALL ONE HEALTH NONE | Direct payment from the plan; Other services Service code 49 | 20 N CLARK STREET, STE 2750 CHICAGO, IL 60602 | $34K |
| AMERICAN REALTY ADVISORS EIN 33-0123114 NONE | Direct payment from the plan; Other investment fees and expenses Service code 50 | — | $33K |
| BRIDGEWAY BENEFIT TECHNOLOGIES, LLC EIN 52-1796473 NONE | Direct payment from the plan; Other services Service code 49 | — | $28K |
| ROMOLO & ASSOCIATES, LLC EIN 84-2885766 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $28K |
| BAUM SIGMAN AUERBACH & NEUMAN LTD EIN 36-2744057 NONE | Legal; Direct payment from the plan Service code 29 | — | $24K |
| THE HORTON GROUP NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | $22K |
| CIGNA EIN 59-1031071 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $20K |
| SHELTON CAPITAL MANAGEMENT EIN 94-2970569 NONE | Investment management fees paid directly by plan; Direct payment from the plan Service code 50 | — | $17K |
| BANK OF LABOR EIN 48-0150235 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $11K |
| RELYMD NONE | Other services; Direct payment from the plan Service code 49 | 5665 NEW NORTHSIDE DR. SUITE 320 ATLANTA, GA 30328 | $5K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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10 filings · 2016 to 2025