| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELITE ADMINISTRATION3 Filed as: ELITE ADMIN AND INSURANCE GROUP | 1211 W 22ND STREET STE 820 OAK BROOK, IL 60523 | STANDARD INSURANCE COMPANY | $40K | — | $40K | 8.00% |
| ELITE ADMINISTRATION3 Filed as: ELITE ADMIN AND INSURANCE GROUP | 1211 W 22ND STREET STE 820 OAK BROOK, IL 60523 | BCS INSURANCE COMPANY | $29K | — | $29K | 7.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BRIAN O'MALLEY EIN 36-2153764 ADMINISTRATOR | Plan Administrator; Employee (plan) Service code 14 | — | $187K |
| STACEY POPP EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $119K |
| LISA BEYER EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $108K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $99K |
| WILLIG WILLIAMS & DAVIDSON EIN 23-2416488 NONE | Legal Service code 29 | — | $97K |
| MARGARET SUMRALL EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $95K |
| INNOVATIVE SOFTWARE SOLUTIONS INC EIN 23-2182079 NONE | Other fees Service code 99 | — | $94K |
| MORGAN LEWIS & BOCKIUS LLP EIN 23-0891050 NONE | Legal Service code 29 | — | $91K |
| ALLISON STEFFENHAGEN EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $81K |
| MICHAEL O'MALLEY EIN 36-2153764 ASST PLAN ADMIN | Plan Administrator; Employee (plan) Service code 14 | — | $63K |
| MAUREEN STEFFENHAGEN EIN 36-2153764 NONE | Employee (plan) Service code 30 | — | $60K |
| NATIONAL INVESTMENT SERVICES EIN 80-0169636 NONE | Investment management fees paid directly by plan Service code 51 | — | $54K |
| VIVIAN JANECZKO EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $54K |
| SEGAL CONSULTING NONE | Consulting (general) Service code 16 | 101 N WACKER DRIVE, STE 500 CHICAGO, IL 60606 | $49K |
| JOYCE A CAMARILLO EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $47K |
| SARA LIGUE EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $47K |
| KATIE MCINERNEY EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $40K |
| BERNADINE FERRO EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $39K |
| ILLINOIS ADVOCATES OWNER IS SON OF TRUSTEE | Legal Service code 29 | 77 W WASHINGTON ST, STE 2120 CHICAGO, IL 60602 | $35K |
| GUARDIAN DENTAL EIN 13-5123390 NONE | Direct payment from the plan Service code 50 | — | $32K |
| MARCO CONSULTING GROUP INC EIN 36-3555078 NONE | Investment advisory (plan) Service code 27 | — | $25K |
| MCDONNELL INVESTMENT MANAGEMENT EIN 36-4445613 NONE | Soft dollars commissions; Investment management; Securities brokerage; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan Service code 28 | — | $24K |
| RB SYSTEMS EIN 36-3091707 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $20K |
| HARTMAN AND ASSOCIATES EIN 32-0000497 NONE | Actuarial Service code 11 | — | $20K |
| LASALLE CONSULTING PARTNERS EIN 36-4030449 NONE | Other services Service code 49 | — | $20K |
| BANK OF AMERICA EIN 94-1687665 NONE | Other fees Service code 99 | — | $19K |
| FAIR HEALTH, INC. EIN 90-0524294 NONE | Other services Service code 49 | — | $15K |
| SOMMERS & FARENBACH EIN 36-1796440 NONE | Copying and duplicating Service code 36 | — | $12K |
| GOODWIN CAPITAL PARTNERS EIN 13-5155720 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $11K |
| THE LAW OFFICES OF PAUL M. NEWCOMER EIN 46-5214841 NONE | Legal Service code 29 | — | $8K |
| ELITE ADMINISTRATION EIN 36-2238689 NONE | Insurance agents and brokers Service code 22 | — | $0 |
| OPTUM RX INC EIN 33-0441200 NONE | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $0 |
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 | 2,612 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 2,699 | $35.3M |
| Vision | VISION SERVICE PLAN | 2,659 | $380K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 6,191 | $1.0M |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 2,719 | $369K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 6,191 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,191 | — |
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.