| 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 | $223K | — | $223K | 15.00% |
| ELITE ADMINISTRATION3 Filed as: ELITE ADMINISTRATION & INS GRP INC | 1211 W. 22ND STREET SUITE 820 OAK BROOK, IL 60523 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $35K | $10K | $44K | 12.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Contract Administrator; Claims processing; Other insurance fees and expenses Service code 12 | — | $1.8M |
| PAYD HEALTH NONE | Consulting (general); Consulting fees Service code 16 | 4001 MCEWEN ROAD, STE 450 DALLAS, TX 75244 | $1.1M |
| PREFERRED NETWORK ACCESS, INC. EIN 36-4018433 NONE | Other services Service code 49 | — | $345K |
| EMPIRX HEALTH EIN 47-1226691 NONE | Contract Administrator Service code 13 | — | $259K |
| DOWD, BLOCH, BENNETT ET AL EIN 36-3371377 NONE | Legal Service code 29 | — | $195K |
| RICH CLARSON EIN 36-2392752 ADMINISTRATOR | Plan Administrator Service code 14 | — | $121K |
| MEDCARE MANAGEMENT EIN 88-6429522 NONE | Other services Service code 49 | — | $121K |
| PAT SAENZ EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $116K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $91K |
| DELTA DENTAL EIN 84-0568337 NONE | Contract Administrator Service code 13 | — | $84K |
| RED CARD SYSTEMS, LLC EIN 20-5388701 NONE | Copying and duplicating Service code 36 | — | $82K |
| NATIONAL INVESTMENT SERVICES, INC. EIN 80-0169636 NONE | Investment management Service code 28 | — | $74K |
| TFBC, LLC EIN 27-3782504 NONE | Actuarial; Consulting (general); Consulting fees Service code 11 | — | $67K |
| BUCK GLOBAL, LLC EIN 35-3954297 NONE | Other services Service code 49 | — | $61K |
| LASALLE CONSULTING PARTNERS, INC. EIN 36-4030449 NONE | Other services Service code 49 | — | $54K |
| MICHAEL WAINSCOTT EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $52K |
| JOANNE SAENZ EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $52K |
| MACNELL ACCOUNTING & CONSULTING LLP NONE | Accounting (including auditing) Service code 10 | 9436 SPRINGFIELD AVE EVANSTON, IL 60203 | $52K |
| THERISA GONZALEZ EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $51K |
| GREAT LAKES ADVISORS LLC EIN 80-0292839 NONE | Investment management fees paid directly by plan Service code 51 | — | $47K |
| BOND BROTHERS EIN 36-2433269 NONE | Copying and duplicating Service code 36 | — | $45K |
| VIVEKA HEALTH EIN 86-2467157 NONE | Other fees Service code 99 | — | $44K |
| RITA BUDESELICH EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $44K |
| SUE HAWRYSIO EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $40K |
| CINDY PERNA EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $40K |
| VERONICA CORREA EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $38K |
| REYNA TERRIQUEZ EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $34K |
| SCOTT PASCENTE EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $33K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $33K |
| YOLANDA FERNANDEZ EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $32K |
| ALICIA BENSON EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $30K |
| INVESTMENT CONSULTING SERVICES EIN 32-0016703 NONE | Consulting (general); Investment advisory (plan); Named fiduciary; Consulting fees Service code 16 | — | $30K |
| SHEILA NIMMER EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $28K |
| TRILOGY CONSULTING GROUP INC EIN 36-4016705 NONE | Other fees Service code 99 | — | $15K |
| OLD NATIONAL BANCORP NONE | Recordkeeping fees; Account maintenance fees Service code 64 | PO BOX 718 EVANSVILLE, IN 47705 | $15K |
| AMALGAMATED BANK OF CHICAGO NONE | Custodial (securities) Service code 19 | 30 N LASALLE CHICAGO, IL 60602 | $14K |
| DATAMATION IMAGING SERVICES CORP EIN 36-4303011 NONE | Copying and duplicating Service code 36 | — | $14K |
| VISION SERVICE PLAN EIN 20-0891619 NONE | Contract Administrator Service code 13 | — | $13K |
| DAVIS VISION NONE | Contract Administrator Service code 13 | 711 TROY-SCHENECTADY ROAD LATHAM, NY 12110 | $8K |
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 | 3,839 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 114 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,953 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF IL | 3,854 | $44.2M |
| Vision(4 contracts, 2 carriers) | VISION SERVICE PLAN | 2,094 | $1.1M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 3,805 | $346K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,844 | $1.5M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 3,805 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,854 | — |
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.