| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VISION SERVICE PLAN3 | P.O. BOX 997100 SACRAMENTO, CA 958999989 | VISION SERVICE PLAN | — | $91K | $91K | 12.49% |
| ELITE ADMINISTRATION3 Filed as: ELITE ADMINISTRATION AND INS GPS | 1211 W 22ND ST STE 820 OAK BROOK, IL 60523 | STANDARD INSURANCE COMPANY | $54K | $8K | $61K | 11.41% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC | THREE PARKWAY NORTH, STE 500 DEERFIELD, IL 60015 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | $408 | $2K | 11.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PAYDHEALTH LLC NONE | Contract Administrator Service code 13 | PO BOX 840557 LOS ANGELES, CA 900840557 | $1.1M |
| EMPIRX HEALTH EIN 47-1226691 NONE | Contract Administrator Service code 13 | — | $1.1M |
| SOUTHWEST SERVICE ADMINISTRATORS NONE | Claims processing Service code 12 | 2550 W UNION HILLS DR., UNIT 250 PHOENIX, AZ 85027 | $995K |
| VALENZ CARE NONE | Other services Service code 49 | 23048 N. 15TH AVENUE PHOENIX, AZ 85027 | $589K |
| EPLAN LLC EIN 20-3720767 NONE | Other services Service code 49 | — | $393K |
| NATIONAL INVESTMENT SERVICES, INC EIN 84-3937993 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $292K |
| JOHNSON & KROL, LLC EIN 36-4342024 NONE | Legal Service code 29 | — | $174K |
| MORGAN, LEWIS & BOCKUS LLP EIN 23-0891050 NONE | Legal Service code 29 | — | $172K |
| FOSTER & FOSTER INC. EIN 59-1921114 NONE | Consulting (general); Actuarial Service code 11 | — | $127K |
| BRIDGEWAY SOFTWARE SOLUTIONS EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $121K |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 NONE | Claims processing Service code 12 | — | $119K |
| JEANINE EARTH-GILLUND EIN 36-2331071 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $113K |
| MACNELL ACCOUNTING AND CONSULTING L EIN 30-0510353 NONE | Accounting (including auditing) Service code 10 | — | $102K |
| ANNE PENNEY EIN 36-2331071 EMPLOYEE | Employee (plan) Service code 30 | — | $79K |
| TELADOC EIN 04-3705970 NONE | Other services Service code 49 | — | $67K |
| ABSOLUTE SOLUTIONS LLC NONE | Other services Service code 49 | 2863 W 95TH STREET SUITE 143 NAPERVILLE, IL 60564 | $66K |
| KRISTINE BENDY EIN 36-2331071 EMPLOYEE | Employee (plan) Service code 30 | — | $65K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $62K |
| KRISTIN LINK EIN 36-2331071 EMPLOYEE | Employee (plan) Service code 30 | — | $61K |
| OLD NATIONAL BANK EIN 35-1539838 NONE | Custodial (securities) Service code 19 | — | $41K |
| BUCK GLOBAL LLC EIN 13-3954297 NONE | Consulting (general); Actuarial Service code 11 | — | $40K |
| STRATEGIC CAPITAL INVEST ADVISORS EIN 36-4268991 NONE | Consulting (general) Service code 16 | — | $40K |
| MELANIE MULHERON EIN 36-2331071 EMPLOYEE | Employee (plan) Service code 30 | — | $38K |
| LISA CONNER EIN 36-2331071 EMPLOYEE | Employee (plan) Service code 30 | — | $34K |
| NICOLE KERKSTRA EIN 36-2331071 EMPLOYEE | Employee (plan) Service code 30 | — | $32K |
| K-PLUS TECHNOLOGY SOLUTIONS EIN 36-4282001 NONE | Other services Service code 49 | — | $14K |
| PROFESSIONAL BENEFIT ADMINISTRATORS EIN 36-3384135 NONE | Claims processing Service code 12 | — | $8K |
| LABOR FIRST, LLC EIN 06-1750191 NONE | Claims processing 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 | 5,525 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 973 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 797 | $1.9M |
| Vision | VISION SERVICE PLAN | 5,594 | $732K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 5,372 | $552K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 22 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,947 | — |
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.