| 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 | BCS INSURANCE COMPANY | $31K | — | $31K | 4.89% |
| FABRICANT & FABRICANT3 | 1251 OLD NORTHERN BLVD ROSLYN, NY 11576 | BCS INSURANCE COMPANY | $8K | — | $8K | 1.27% |
| ELITE ADMINISTRATION3 Filed as: ELITE ADMIN AND INSURANCE GROUP | 1211 W 22ND STREET STE 820 OAK BROOK, IL 60523 | STANDARD INSURANCE COMPANY | $66K | — | $66K | 10.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BRIAN O'MALLEY EIN 36-2153764 ADMINISTRATOR | Plan Administrator; Employee (plan) Service code 14 | — | $168K |
| MORGAN LEWIS & BOCKIUS LLP EIN 23-0891050 NONE | Legal Service code 29 | — | $128K |
| INNOVATIVE SOFTWARE SOLUTIONS INC EIN 23-2182079 NONE | Other fees Service code 99 | — | $113K |
| UNITED ACTUARIAL SERVICES, INC EIN 35-2156428 NONE | Actuarial Service code 11 | — | $103K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $102K |
| STACEY POPP EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $85K |
| NATIONAL INVESTMENT SERVICES EIN 80-0169636 NONE | Investment management fees paid directly by plan Service code 51 | — | $74K |
| WILLIG WILLIAMS & DAVIDSON EIN 23-2416488 NONE | Legal Service code 29 | — | $72K |
| MARGARET SUMRALL EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $65K |
| KATIE MCINERNEY EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $65K |
| ALLISON STEFFENHAGEN EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $62K |
| MICHAEL O'MALLEY EIN 36-2153764 ASST PLAN ADMIN | Employee (plan); Plan Administrator Service code 14 | — | $57K |
| MAUREEN STEFFENHAGEN EIN 36-2153764 NONE | Employee (plan) Service code 30 | — | $43K |
| VIVIAN JANECZKO EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $36K |
| SARA LIGUE EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $33K |
| JOYCE A CAMARILLO EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $33K |
| GUARDIAN LIFE INSURANCE COMPANY NONE | Other services Service code 49 | 605 E. HOLLAND AVENUE SPOKANE, WA 99218 | $29K |
| SOMMERS & FARENBACH EIN 36-1796440 NONE | Copying and duplicating Service code 36 | — | $27K |
| SEGAL MARCO ADVISORS EIN 36-3555078 NONE | Investment advisory (plan) Service code 27 | — | $25K |
| LASALLE CONSULTING PARTNERS EIN 36-4030449 NONE | Other services Service code 49 | — | $23K |
| BANK OF AMERICA EIN 94-1687665 NONE | Other fees Service code 99 | — | $19K |
| LOOMIS SAYLES TRUST COMPANY EIN 20-8080381 NONE | Investment management fees paid directly by plan Service code 51 | — | $17K |
| OPTUM RX INC EIN 33-0441200 NONE | Other fees; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $15K |
| MCDONNELL INVESTMENT MANAGEMENT EIN 36-4445613 NONE | Investment management fees paid indirectly by plan; Soft dollars commissions; Investment management fees paid directly by plan; Securities brokerage; Investment management Service code 28 | — | $9K |
| FAIR HEALTH, INC. EIN 90-0524294 NONE | Other services Service code 49 | — | $8K |
| ELITE ADMINISTRATION EIN 36-2238689 NONE | Insurance agents and brokers Service code 22 | — | $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 | 2,455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 2,482 | $37.7M |
| Vision | VISION SERVICE PLAN | 2,371 | $289K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,553 | $608K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 2,447 | $643K |
| Other | STANDARD INSURANCE COMPANY | 2,553 | $608K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,553 | — |
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.