| 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 | $125K | — | $125K | 9.70% |
| ELITE ADMINISTRATION3 Filed as: ELITE ADMINISTRATION & INS GRP INC | 1211 W. 22ND STREET SUITE 820 OAK BROOK, IL 60523 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $17K | $8K | $25K | 14.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Other insurance fees and expenses; Contract Administrator; Claims processing Service code 12 | — | $1.1M |
| INTERACTIVE HEALTH SOLUTIONS EIN 36-3798756 NONE | Other services Service code 49 | — | $122K |
| MEDCARE MANAGEMENT EIN 88-6429522 NONE | Other services Service code 49 | — | $63K |
| DOWD, BLOCH, BENNETT ET AL EIN 36-3371377 NONE | Legal Service code 29 | — | $63K |
| RICH CLARSON EIN 36-2392752 ADMINISTRATOR | Plan Administrator Service code 14 | — | $58K |
| IPC EVERGREEN RX EIN 59-2926768 NONE | Consulting (general); Consulting fees Service code 16 | — | $57K |
| PAT ERDMANN EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $56K |
| NATIONAL INVESTMENT SERVICES, INC. EIN 80-0169636 NONE | Investment management Service code 28 | — | $54K |
| DELTA DENTAL EIN 84-0568337 NONE | Contract Administrator Service code 13 | — | $48K |
| MARISOL RAMIREZ EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $46K |
| MAGELLAN HEALTH SERVICES NONE | Direct payment from the plan; Other fees; Claims processing Service code 12 | 1291 SHERMER ROAD NORTHBROOK, IL 60062 | $44K |
| TFBC, LLC EIN 27-3782504 NONE | Actuarial Service code 11 | — | $43K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $37K |
| THERISA GONZALEZ EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $33K |
| EMPLOYEE RESOURCE SYSTEMS EIN 36-3867645 NONE | Consulting (general); Consulting fees Service code 16 | — | $33K |
| CHANGE HEALTHCARE EIN 20-2058917 NONE | Copying and duplicating Service code 36 | — | $32K |
| JOANNE SAENZ EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $27K |
| ANNE PENNEY EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $26K |
| SHEILA NIMMER EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $25K |
| MACNELL ACCOUNTING & CONSULTING LLP NONE | Accounting (including auditing) Service code 10 | 9436 SPRINGFIELD AVE EVANSTON, IL 60203 | $25K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $22K |
| PREFERRED NETWORK ACCESS, INC. EIN 36-4018433 NONE | Other commissions Service code 55 | — | $19K |
| CONDUENT HR CONSULTING NONE | Consulting (general) Service code 16 | 200 GALLERIA PARKWAY SE ATLANTA, GA 30339 | $19K |
| VISION SERVICE PLAN EIN 20-0891619 NONE | Contract Administrator Service code 13 | — | $18K |
| BOND BROTHERS EIN 36-2433269 NONE | Copying and duplicating Service code 36 | — | $16K |
| INVESTMENT CONSULTING SERVICES EIN 32-0016703 NONE | Consulting (general); Consulting fees; Investment advisory (plan); Named fiduciary Service code 16 | — | $15K |
| OPTUM RX EIN 11-2581812 NONE | Contract Administrator Service code 13 | — | $13K |
| LASALLE CONSULTING PARTNERS, INC. EIN 36-4030449 NONE | Other services Service code 49 | — | $12K |
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 | 4,046 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF IL | 2,094 | $22.6M |
| Vision | VISION SERVICE PLAN | 2,091 | $415K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 2,094 | $172K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,119 | $1.3M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 2,094 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,119 | — |
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.