| 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 | $141K | — | $141K | 9.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1000 BURR RIDGE PARKWAY BURR RIDGE, IL 60527 | THE UNION LABOR LIFE INSURANCE COMPANY | $47K | — | $47K | 3.13% |
| 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 | $11K | $46K | 13.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Other insurance fees and expenses; Claims processing; Contract Administrator Service code 12 | — | $2.3M |
| PAYD HEALTH NONE | Consulting fees; Consulting (general) Service code 16 | 4001 MCEWEN ROAD, STE 450 DALLAS, TX 75244 | $1.0M |
| PREFERRED NETWORK ACCESS, INC. EIN 36-4018433 NONE | Other services Service code 49 | — | $269K |
| PAT SAENZ EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $133K |
| DOWD, BLOCH, BENNETT ET AL EIN 36-3371377 NONE | Legal Service code 29 | — | $127K |
| RICH CLARSON EIN 36-2392752 ADMINISTRATOR | Plan Administrator Service code 14 | — | $125K |
| MEDCARE MANAGEMENT EIN 88-6429522 NONE | Other services Service code 49 | — | $114K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $92K |
| NATIONAL INVESTMENT SERVICES, INC. EIN 80-0169636 NONE | Investment management Service code 28 | — | $90K |
| DELTA DENTAL EIN 84-0568337 NONE | Contract Administrator Service code 13 | — | $87K |
| RED CARD SYSTEMS, LLC EIN 20-5388701 NONE | Copying and duplicating Service code 36 | — | $77K |
| BOND BROTHERS EIN 36-2433269 NONE | Copying and duplicating Service code 36 | — | $71K |
| TFBC, LLC EIN 27-3782504 NONE | Consulting fees; Actuarial Service code 11 | — | $71K |
| BUCK GLOBAL, LLC EIN 35-3954297 NONE | Other services Service code 49 | — | $69K |
| MICHAEL WAINSCOTT EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $58K |
| JOANNE SAENZ EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $56K |
| MACNELL ACCOUNTING & CONSULTING LLP EIN 30-0510353 NONE | Accounting (including auditing) Service code 10 | — | $55K |
| THERISA GONZALEZ EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $53K |
| VERONICA CORREA EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $49K |
| VIVEKA HEALTH EIN 86-2467157 NONE | Other fees Service code 99 | — | $48K |
| RITA BUDESELICH EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $46K |
| CINDY PERNA EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $43K |
| SUE HAWRYSIO EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $40K |
| LASALLE CONSULTING PARTNERS, INC. EIN 36-4030449 NONE | Other services Service code 49 | — | $39K |
| YOLANDA FERNANDEZ EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $36K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $34K |
| ALICIA BENSON EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $31K |
| INVESTMENT CONSULTING SERVICES EIN 32-0016703 NONE | Consulting (general); Investment advisory (plan); Consulting fees; Named fiduciary Service code 16 | — | $30K |
| SHEILA NIMMER EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $28K |
| MORGAN, LEWIS & BOCKIUS EIN 23-0891050 NONE | Legal Service code 29 | — | $22K |
| GREAT LAKES ADVISORS LLC EIN 80-0292839 NONE | Investment management fees paid directly by plan Service code 51 | — | $14K |
| AMALGAMATED BANK OF CHICAGO NONE | Custodial (securities) Service code 19 | 30 N LASALLE CHICAGO, IL 60602 | $13K |
| OLD NATIONAL BANCORP NONE | Account maintenance fees Service code 65 | PO BOX 718 EVANSVILLE, IN 47705 | $13K |
| DAVIS VISION NONE | Contract Administrator Service code 13 | 711 TROY-SCHENECTADY ROAD LATHAM, NY 12110 | $10K |
| HUB INTERNATIONAL NONE | Consulting (general) Service code 16 | 1000 BURR RIDGE PARKWAY BURR RIDGE, IL 60527 | $8K |
| ACCURATE DOCUMENT DESTRUCTION NONE | Copying and duplicating Service code 36 | 2500 LANDMEIER ROAD ELK GROVE VILLAGE, IL 60007 | $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 | 3,846 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 87 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,933 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF IL | 3,863 | $48.1M |
| Vision(2 contracts) | DAVIS VISION | 2,084 | $597K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 3,832 | $352K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,924 | $1.5M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 3,832 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,924 | — |
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.