| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 353 N. CLARK ST. CHICAGO, IL 60654 | HCC LIFE INSURANCE COMPANY | $31K | — | $31K | 15.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC5 Filed as: BENEFIT ADVISORS SERVICES GRP, LLC | PO BOX 675236 DETROIT, MI 482675236 | HCC LIFE INSURANCE COMPANY | $8K | — | $8K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF IL EIN 36-1236610 NONE | Claims processing; Other insurance fees and expenses Service code 12 | — | $1.2M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Claims processing; Contract Administrator Service code 12 | — | $1.1M |
| MORGAN LEWIS & BOCKIUS LLP EIN 23-0891050 NONE | Legal Service code 29 | — | $178K |
| DIANA MASLANKA EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $160K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Consulting (general); Actuarial Service code 11 | — | $157K |
| PATRICK LUDVIGSEN EIN 36-2145881 PLAN ADMINISTRATOR | Plan Administrator; Employee (plan) Service code 14 | — | $154K |
| BRIDGEWAY BENEFIT TECHNOLOGY EIN 52-1796473 NONE | Other services Service code 49 | — | $140K |
| ROSE CASSARA EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $121K |
| TAMMY NICOLINI EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $112K |
| ALICE PRIEBE EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $102K |
| VALENZ CARE EIN 81-5149270 NONE | Other services Service code 49 | — | $100K |
| GREGORIO, STEC, KLEIN & HOSE EIN 36-4028033 NONE | Legal Service code 29 | — | $96K |
| MARY BONNER EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $93K |
| JAMES FEINBERG EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $92K |
| JANET NEWMAN EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| DELTA DENTAL OF IL EIN 36-2612058 NONE | Claims processing; Contract Administrator Service code 12 | — | $84K |
| ZELIS PAYMENT HOLDINGS EIN 84-3069529 NONE | Other services; Copying and duplicating Service code 36 | — | $72K |
| BOND BROTHERS EIN 36-2433269 NONE | Copying and duplicating Service code 36 | — | $68K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $67K |
| MARQUETTE ASSOCIATES INC. EIN 36-3485298 NONE | Investment advisory (plan); Consulting (general) Service code 16 | — | $55K |
| LOOMIS SAYLES TRUST COMPANY EIN 20-8080381 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $51K |
| MAGALY NAVA EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $44K |
| NATIONAL INVESTMENT SERVICES EIN 84-3937993 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $43K |
| RITA GORMAN EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $42K |
| NICOLE SMITH EIN 36-2145881 EMPLOYEE | Employee (plan) Service code 30 | — | $42K |
| NTIVA, INC. EIN 20-2106015 NONE | Other services Service code 49 | — | $34K |
| EMPLOYEE RESOURCE SYSTEMS, INC EIN 36-3867645 NONE | Consulting (general) Service code 16 | — | $32K |
| TRILOGY EIN 36-4016705 NONE | Other services Service code 49 | — | $25K |
| EYEMED VISION CARE EIN 31-1656473 NONE | Claims processing Service code 12 | — | $20K |
| NEUBERGER BERMAN INV. ADVISORS NONE | Soft dollars commissions; Investment management Service code 28 | 1290 AVENUE OF THE AMERICAS NEW YORK, NY 10104 | $18K |
| BMO HARRIS EIN 36-2085229 NONE | Investment management; Custodial (securities) Service code 19 | — | $17K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $14K |
| DATAMATION IMAGING SERVICES EIN 36-4303011 NONE | Other services Service code 49 | — | $14K |
| INTERCONTINENTAL REAL ESTATE CORP EIN 04-2895544 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $13K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NONE | Investment management fees paid directly by plan Service code 51 | — | $11K |
| RICHARD J WOLF AND CO EIN 36-3182363 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $10K |
| BUSINESS TELEPHONE SYSTEMS INC. EIN 36-3314394 NONE | Copying and duplicating Service code 36 | — | $8K |
| GROUP ADMINISTRATORS, LTD EIN 36-3381052 NONE | Other fees; Claims processing Service code 12 | — | $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 | 1,956 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,824 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,780 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 186 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
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.