| 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 | $6K | — | $6K | 7.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNION MEDICAL CENTER, INC. EIN 36-2430606 NONE | Claims processing; Contract Administrator Service code 12 | — | $2.8M |
| OPTUM RX, INC. EIN 33-0441200 NONE | Claims processing; Float revenue; Other fees; Direct payment from the plan Service code 12 | — | $1.0M |
| SPECIALITY CARE MANAGEMENT, LLC EIN 20-5784836 NONE | Other services Service code 49 | — | $237K |
| HEALTHLINK, INC. EIN 43-1364135 NONE | Other fees; Other services; Other commissions Service code 49 | — | $180K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Other services Service code 49 | — | $174K |
| HEALTH PLAN SYSTEMS, INC. EIN 01-0589640 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $147K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $124K |
| K. RANDLE EIN 36-2418276 EMPLOYEE | Employee (plan) Service code 30 | — | $66K |
| SOMMERS & FAHRENBACH, INC. EIN 36-1796440 NONE | Participant communication; Copying and duplicating Service code 36 | — | $46K |
| PREFERRED NETWORK ACCESS, INC EIN 36-4018433 NONE | Other services Service code 49 | — | $45K |
| E. COSTA EIN 36-2418276 EMPLOYEE | Employee (plan) Service code 30 | — | $44K |
| ASHER, GITTLER, & D'ALBA, LTD. EIN 36-2786883 NONE | Legal Service code 29 | — | $42K |
| THE SEGAL COMPANY (MIDWEST), INC. EIN 13-1975125 NONE | Actuarial; Consulting (general) Service code 11 | — | $36K |
| S. ORTIZ EIN 36-2418276 EMPLOYEE | Employee (plan) Service code 30 | — | $35K |
| D. TORAN EIN 36-2418276 EMPLOYEE | Employee (plan) Service code 30 | — | $35K |
| C. BARNETT EIN 36-2418276 EMPLOYEE | Employee (plan) Service code 30 | — | $35K |
| G. RIPPY EIN 36-2418276 EMPLOYEE | Employee (plan) Service code 30 | — | $33K |
| E. BROWN EIN 36-2418276 EMPLOYEE | Employee (plan) Service code 30 | — | $30K |
| R. WHITAKER EIN 36-2418276 EMPLOYEE | Employee (plan) Service code 30 | — | $30K |
| THE HENSLEY CO. EIN 36-1210990 NONE | Other services Service code 49 | — | $30K |
| C. HARRIS EIN 36-2418276 EMPLOYEE | Employee (plan) Service code 30 | — | $29K |
| L. RODRIGUEZ EIN 36-2418276 EMPLOYEE | Employee (plan) Service code 30 | — | $28K |
| MANAGED CARE STAFFERS EIN 36-4411050 NONE | Other services Service code 49 | — | $27K |
| APPLEGATE CONSULTING GROUP EIN 45-4769589 NONE | Consulting (general) Service code 16 | — | $21K |
| COMERICA BANK EIN 42-1741646 NONE | Other investment fees and expenses; Other services; Custodial (securities); Shareholder servicing fees; Float revenue Service code 19 | — | $20K |
| ABSOLUTE SOLUTIONS LLC EIN 27-3584158 NONE | Other services Service code 49 | — | $18K |
| PSG CONSULTING LLC EIN 27-2345574 NONE | Consulting (general) Service code 16 | — | $15K |
| DOWD, BLOCH, BENNETT, CERVONE, AUER EIN 36-3371377 NONE | Legal Service code 29 | — | $14K |
| K-PLUS COMPUTER SERVICES, LLC EIN 36-4282001 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $11K |
| CERIS EIN 95-3382819 NONE | Other services Service code 49 | — | $11K |
| BANSLEY AND KIENER LLP EIN 36-2152389 NONE | Accounting (including auditing) Service code 10 | — | $10K |
| ACCOUNTING PRINCIPALS EIN 59-3482208 NONE | Other services Service code 49 | — | $8K |
| CRISTO REY JESUIT HIGH SCHOOL EIN 36-4067307 NONE | Other services Service code 49 | — | $8K |
| LIFESTATUS360 EIN 94-3389460 NONE | Other services Service code 49 | — | $7K |
| MNJ TECHNOLOGIES EIN 01-0560518 NONE | Other services Service code 49 | — | $6K |
| PRECISE PRINTING NETWORK EIN 36-4413727 NONE | Copying and duplicating Service code 36 | — | $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 | 3,782 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNICARE LIFE & HEALTH INSURANCE COMPANY | 3,703 | $80K |
| Other | UNICARE LIFE & HEALTH INSURANCE COMPANY | 3,703 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,703 | — |
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.