| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELITE ADMINISTRATION3 Filed as: ELITE ADMINISTRATION & INS GRP INC | 1211 W. 22ND STREET SUITE 820 OAK BROOK, IL 60523 | THE UNION LABOR LIFE INSURANCE COMPANY | $124K | — | $124K | 7.00% |
| ELITE ADMINISTRATION3 Filed as: ELITE ADMINISTRATION & INS GRP INC | 1211 W. 22ND STREET SUITE 820 OAK BROOK, IL 60523 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $16K | $12K | $28K | 17.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Other insurance fees and expenses; Claims processing; Contract Administrator Service code 12 | — | $894K |
| HEALTH MANAGEMENT CONCEPTS, INC. EIN 75-3189468 NONE | Consulting (general); Other services Service code 16 | — | $77K |
| MEDCARE MANAGEMENT EIN 88-6429522 NONE | Other services Service code 49 | — | $70K |
| NATIONAL INVESTMENT SERVICES, INC. EIN 80-0169636 NONE | Investment management Service code 28 | — | $61K |
| DELTA DENTAL EIN 84-0568337 NONE | Contract Administrator Service code 13 | — | $58K |
| RICH CLARSON EIN 36-2392752 ADMINISTRATOR | Plan Administrator Service code 14 | — | $54K |
| PAT BOCCONCELLI EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $52K |
| INTERACTIVE HEALTH SOLUTIONS EIN 36-3798756 NONE | Other services Service code 49 | — | $48K |
| IPC EVERGREEN RX EIN 59-2926768 NONE | Consulting fees; Consulting (general) Service code 16 | — | $44K |
| MARISOL RAMIREZ EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $44K |
| DOWD, BLOCH, BENNETT & CERVONE EIN 36-3371377 NONE | Legal Service code 29 | — | $41K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $38K |
| TFBC, LLC EIN 27-3782504 NONE | Actuarial Service code 11 | — | $34K |
| THERISA GONZALEZ EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $31K |
| EMDEON EIN 20-2058917 NONE | Copying and duplicating Service code 36 | — | $30K |
| RYAN LACEY EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $30K |
| JOANNE SAENZ EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $26K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $21K |
| VISION SERVICE PLAN EIN 20-0891619 NONE | Contract Administrator Service code 13 | — | $17K |
| CATAMARAN / OPTUM EIN 11-2581812 NONE | Contract Administrator Service code 13 | — | $17K |
| PREFERRED NETWORK ACCESS, INC. EIN 36-4018433 NONE | Accounting (including auditing) Service code 10 | — | $16K |
| INVESTMENT CONSULTING SERVICES EIN 32-0016703 NONE | Named fiduciary; Investment advisory (plan); Consulting (general); Consulting fees Service code 16 | — | $15K |
| BOND BROTHERS EIN 36-2433269 NONE | Copying and duplicating Service code 36 | — | $13K |
| LASALLE CONSULTING PARTNERS, INC. EIN 36-4030449 NONE | Other services Service code 49 | — | $12K |
| TRILOGY CONSULTING GROUP EIN 36-4016705 NONE | Consulting (general) Service code 16 | — | $8K |
| MACNELL ACCOUNTING & CONSULTING LLP NONE | Accounting (including auditing) Service code 10 | 9436 SPRINGFIELD AVE EVANSTON, IL 60203 | $6K |
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 | 2,010 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,058 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF IL | 2,003 | $19.0M |
| Vision | VISION SERVICE PLAN | 2,015 | $360K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,999 | $164K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,998 | $1.8M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,999 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,015 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.