| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INS SERVICES INC | 4 WESTBROOK CORP CENTER STE 500 WESTCHESTER, IL 60154 | UNICARE LIFE & HEALTH INSURANCE COMPANY | $8K | — | $8K | 12.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNION MEDICAL CENTER, INC. EIN 36-2430606 NONE | Contract Administrator; Claims processing Service code 12 | — | $2.6M |
| HEALTHLINK, INC. EIN 43-1364135 NONE | Other services; Other fees; Other commissions Service code 49 | — | $164K |
| SPECIALITY CARE MANAGEMENT, LLC EIN 20-5784836 NONE | Other services Service code 49 | — | $151K |
| HEALTHCARE STRATEGIES EIN 52-1874471 NONE | Other services Service code 49 | — | $142K |
| HEALTH PLAN SYSTEMS, INC. EIN 01-0589640 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $122K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $85K |
| ACCOUNTING PRINCIPALS EIN 59-3482208 NONE | Other services Service code 49 | — | $81K |
| L. GEIER-POZNIAK EIN 36-2418276 EMPLOYEE | Employee (plan) Service code 30 | — | $68K |
| SOMMERS & FAHRENBACH, INC. EIN 36-1796440 NONE | Copying and duplicating Service code 36 | — | $66K |
| K. HENRY EIN 36-2418276 EMPLOYEE | Employee (plan) Service code 30 | — | $45K |
| E. ZUCKER EIN 36-2418276 EMPLOYEE | Employee (plan) Service code 30 | — | $45K |
| ASHER, GITTLER, & D'ALBA, LTD. EIN 36-2786883 NONE | Legal Service code 29 | — | $44K |
| Z. NAUTH EIN 36-2418276 EMPLOYEE | Employee (plan); Non-monetary compensation; Plan Administrator Service code 14 | — | $42K |
| PREFERRED NETWORK ACCESS, INC EIN 36-4018433 NONE | Other services Service code 49 | — | $40K |
| E. ROBLES COSTA EIN 36-2418276 EMPLOYEE | Employee (plan) Service code 30 | — | $38K |
| J. MACK EIN 36-2418276 EMPLOYEE | Employee (plan) Service code 30 | — | $29K |
| R. WEAVER EIN 36-2418276 EMPLOYEE | Employee (plan) Service code 30 | — | $26K |
| S. ORTIZ EIN 36-2418276 EMPLOYEE | Employee (plan) Service code 30 | — | $26K |
| DOWD, BLOCH, BENNETT, CERVONE, AUER EIN 36-3371377 NONE | Legal Service code 29 | — | $14K |
| INSIGHT NONE | Other services Service code 49 | — | $13K |
| ALVAREZ PORTER GROUP, LLC EIN 27-1390938 NONE | Consulting (general) Service code 16 | — | $13K |
| COMERICA BANK EIN 42-1741646 NONE | Other fees; Shareholder servicing fees; Float revenue; Custodial (securities); Other investment fees and expenses; Other services Service code 19 | — | $11K |
| OPTUMRX PBM OF ILLINOIS EIN 11-2581812 NONE | Claims processing; Contract Administrator Service code 12 | — | $8K |
| CRISTO REY JESUIT HIGH SCHOOL EIN 36-4067307 NONE | Other services Service code 49 | — | $8K |
| K-PLUS TECHNOLOGY SOLUTIONS, LLC EIN 36-4282001 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $8K |
| CORVEL CORPORATION EIN 95-3382819 NONE | Other services Service code 49 | — | $7K |
| THE SEGAL COMPANY (MIDWEST), INC. EIN 13-1975125 NONE | Actuarial; Consulting (general) Service code 11 | — | $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 | 3,849 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,849 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNICARE LIFE & HEALTH INSURANCE COMPANY | 3,606 | $67K |
| Other | UNICARE LIFE & HEALTH INSURANCE COMPANY | 3,606 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,606 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.