| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METLIFE | — | $95 | $95 | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD IL EIN 36-1236610 NONE | Claims processing Service code 12 | — | $334K |
| FOSTER & FOSTER EIN 59-1921114 NONE | Actuarial Service code 11 | 184 SHUMAN BLVD, SUITE 305 NAPERVILLE, IL 60563 | $129K |
| TIC INTERNATIONAL CORPORATION EIN 36-2327771 NONE | Plan Administrator Service code 14 | — | $126K |
| IBEW LOCAL 150 PENSION FUND EIN 36-6140629 AFFILIATED BENEFIT FUND | Other services Service code 49 | — | $76K |
| REINHART BOERNER VAN DEUREN S.C. EIN 39-1126909 NONE | Legal Service code 29 | — | $68K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $25K |
| SAV RX EIN 47-0527013 NONE | Contract Administrator Service code 13 | — | $23K |
| WELLINGTON TRUST COMPANY, NA NONE | Investment management Service code 28 | 280 CONGRESS STREET BOSTON, MA 02210 | $19K |
| MEKETA INC. EIN 04-2659023 NONE | Investment advisory (plan) Service code 27 | — | $16K |
| EMPLOYEE RESOURCE SYSTEMS NONE | Consulting (general) Service code 16 | 29 E MADISON STREET SUITE 1600 CHICAGO, IL 60602 | $12K |
| LIBERTYVILLE BANK & TRUST NONE | Custodial (securities) Service code 19 | 507 N MILWAUKEE AVE LIBERTYVILLE, IL 60048 | $9K |
| BANSLEY & KIENER, LLP EIN 36-2152389 NONE | Accounting (including auditing) Service code 10 | — | $6K |
| RICHARD J WOLF AND COMPANY, INC EIN 36-3182363 NONE | Accounting (including auditing) Service code 10 | — | $6K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Custodial (securities); Investment management fees paid indirectly by plan Service code 19 | — | $5K |
| ERIC J. FERNANDEZ & CO. EIN 36-3141842 NONE | Accounting (including auditing) Service code 10 | — | $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 | 636 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 303 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 939 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC | 446 | $1.3M |
| Life insurance | METLIFE | 644 | $38K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 957 | $504K |
| Other | METLIFE | 644 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 957 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.