| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N. CLARK ST. CHICAGO, IL 60654 | HCC LIFE INSURANCE COMPANY | $42K | — | $42K | 15.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC5 Filed as: BENEFIT ADVISORS SERVICES GRP, LLC | 1125 SANCTUARY PARKWAY, STE 300 ALPHARETTA, GA 30009 | HCC LIFE INSURANCE COMPANY | $7K | — | $7K | 2.58% |
| BENEFIT ADVISORS SERVICES GROUP LLC5 Filed as: BENEFIT ADVISORS SERVICES GRP, LLC | PO BOX 675236 DETROIT, MI 482675236 | HCC LIFE INSURANCE COMPANY | $7K | — | $7K | 2.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF IL EIN 36-1236610 NONE | Claims processing; Other insurance fees and expenses Service code 12 | — | $1.3M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Contract Administrator; Claims processing Service code 12 | — | $218K |
| MORGAN LEWIS & BOCKIUS LLP EIN 23-0891050 NONE | Legal Service code 29 | — | $171K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Consulting (general); Actuarial Service code 11 | — | $160K |
| BRIDGEWAY BENEFIT TECHNOLOGY EIN 52-1796473 NONE | Other services; Other commissions Service code 49 | — | $157K |
| DIANA MASLANKA EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $143K |
| PATRICK LUDVIGSEN EIN 36-2145881 EMPLOYEE | Plan Administrator; Employee (plan) Service code 14 | — | $143K |
| JAMES FEINBERG EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $122K |
| ROSE CASSARA EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $110K |
| MED-CARE MANAGEMENT EIN 88-0429522 NONE | Other services Service code 49 | — | $107K |
| TAMMY NICOLINI EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $104K |
| ALICE PRIEBE EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $95K |
| DELTA DENTAL OF IL EIN 26-2612058 NONE | Claims processing; Contract Administrator Service code 12 | — | $81K |
| MARY BONNER EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $79K |
| JANET NEWMAN EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $79K |
| DONNA PARZYNSKI EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $76K |
| GREGORIO, STEC, KLEIN & HOSE EIN 36-4028033 NONE | Legal Service code 29 | — | $69K |
| ZELIS PAYMENT HOLDINGS EIN 84-3069529 NONE | Other services; Copying and duplicating Service code 36 | — | $68K |
| LOOMIS SAYLES TRUST COMPANY EIN 20-8080381 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $61K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $59K |
| MARQUETTE ASSOCIATES INC. EIN 36-3485298 NONE | Consulting (general); Investment advisory (plan) Service code 16 | — | $55K |
| NATIONAL INVESTMENT SERVICES EIN 84-3937993 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $54K |
| BOND BROTHERS EIN 36-2433269 NONE | Copying and duplicating Service code 36 | — | $44K |
| MAGALY NAVA EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $32K |
| PATRICIA ZEIGLER EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $31K |
| BMO HARRIS EIN 36-2085229 NONE | Investment management; Custodial (securities) Service code 19 | — | $29K |
| NEUBERGER BERMAN INV. ADVISORS NONE | Investment management; Soft dollars commissions Service code 28 | 1290 AVENUE OF THE AMERICAS NEW YORK, NY 10104 | $28K |
| NTIVA, INC. EIN 20-2106015 NONE | Other services Service code 49 | — | $26K |
| RITA GORMAN EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $25K |
| EYEMED VISION CARE EIN 31-1656473 NONE | Claims processing Service code 12 | — | $22K |
| EMPLOYEE RESOURCE SYSTEMS, INC EIN 36-3867645 NONE | Consulting (general) Service code 16 | — | $22K |
| DATAMATION IMAGING SERVICES EIN 36-4303011 NONE | Other services Service code 49 | — | $16K |
| CALIBRE CPA GROUP, PLCC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $15K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $14K |
| GROUP ADMINISTRATORS, LTD EIN 36-3381052 NONE | Claims processing; Other fees Service code 12 | — | $12K |
| BICC SYSTEMS, INC. EIN 36-2852073 NONE | Other services Service code 49 | — | $7K |
| RICHARD J WOLF AND CO EIN 36-3182363 NONE | Accounting (including auditing) Service code 10 | — | $7K |
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 | 2,318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,869 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 437 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.