| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY LUCCO3 | 104 EXECUTIVE DR HIGHLAND, IL 62249 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 14.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROFESSIONAL BENEFIT ADMINISTRATORS EIN 38-3668782 NONE | Contract Administrator; Direct payment from the plan; 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 | Direct payment from the plan; Other services 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 | Direct payment from the plan; Employee (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 | Direct payment from the plan; Other services Service code 49 | — | $75K |
| THE SEGAL COMPANY (MIDWEST) INC. EIN 13-1975125 NONE | Consulting (general); Actuarial 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 | Other services; Direct payment from the plan Service code 49 | — | $51K |
| INETICO, LLC DBA VALENZ CARE EIN 36-4869660 NONE | Other services; Direct payment from the plan Service code 49 | — | $47K |
| MARQUETTE & ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $40K |
| ALL ONE HEALTH NONE | Other services; Direct payment from the plan 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 | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | $22K |
| CIGNA EIN 59-1031071 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $20K |
| SHELTON CAPITAL MANAGEMENT EIN 94-2970569 NONE | Direct payment from the plan; Investment management fees paid directly by 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 | Direct payment from the plan; Other services Service code 49 | 5665 NEW NORTHSIDE DR. SUITE 320 ATLANTA, GA 30328 | $5K |
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 | 1,832 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,832 | Active + retired/separated + beneficiaries. No dependents. |
| 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 rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.