| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPER SERVICES LLC3 | 60 W SUPERIOR CHICAGO, IL 60654 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $306K | $0 | $306K | 7.82% |
| ALPER SERVICES LLC3 | 38 W 556 HILLTOP DR ST CHARLES, IL 60178 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $87K | $4K | $91K | 11.84% |
| TRACY L HOSTLER3 Filed as: TRACY HINRICHS | 7182 LIBERTY CTR DR STE Q WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $89K | $0 | $89K | 44.04% |
| ALPER SERVICES LLC3 | 60 W SUPERIOR CHICAGO, IL 60654 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $38K | $0 | $38K | 18.89% |
| ALPER SERVICES LLC3 | 60 W SUPERIOR ST CHICAGO, IL 06010 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.30% |
| ALPER SERVICES LLC3 | 60 W SUPERIOR ST CHICAGO, IL 60654 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.62% |
| DAVID A PEARRE3 Filed as: DAVID A PEARRE II | 101 WAUKEGAN RD STE 990 LAKE BLUFF, IL 60044 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.94% |
| PETER H HOOPIS3 | 300 S WACKER DR STE 2000 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $885 | $885 | 0.76% |
| LYNN FEDOR3 Filed as: LYNN E FEDOR | 267 HWY 74 N STE 4 PEACHTREE CITY, GA 30269 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $127 | $1 | $128 | 0.11% |
| STANLEY R DOMINEY3 | 200 W FORSYTH ST STE 600 JACKSONVILLE, FL 32202 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $87 | $33 | $120 | 0.10% |
| TRACY L HOSTLER3 Filed as: TRACY HINRICHS | 7182 LIBERTY CTR DR WEST CHESTER, OH 45069 | KANAWHA INSURANCE COMPANY | $12K | $367 | $12K | 18.70% |
| ALPER SERVICES LLC3 | 60 W SUPERIOR CHICAGO, IL 60654 | KANAWHA INSURANCE COMPANY | $2K | $0 | $2K | 2.91% |
| BOBETTE PUCKETT3 | 60 W SUPERIOR ST CHICAGO, IL 60654 | KANAWHA INSURANCE COMPANY | $40 | $0 | $40 | 0.06% |
| ALPER SERVICES LLC3 | 60 W SUPERIOR ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| ALPER SERVICES LLC3 | 60 W SUPERIOR ST CHICAGO, IL 60654 | 5STAR LIFE INSURANCE COMPANY | $465 | $0 | $465 | 3.62% |
| TRACY L HOSTLER3 Filed as: TRACY HINRICHS | 7182 LIBERTY CTR DR WEST CHESTER, OH 45069 | 5STAR LIFE INSURANCE COMPANY | $375 | $0 | $375 | 2.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $398K |
| ALPER SERVICES LLC BROKER | Custodial (securities) Service code 19 | 60 W SUPERIOR CHICAGO, IL 60654 | $0 |
| TRACY HINRICHS BROKER | Custodial (securities) Service code 19 | 7182 LIBERTY CTR DR WEST CHESTER, OH 45069 | $0 |
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 | 1,255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,255 | $3.9M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,013 | $772K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,013 | $772K |
| Life insurance(4 contracts, 4 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,013 | $1.1M |
| Short-term disability(4 contracts, 4 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,013 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,013 | $888K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,255 | $3.9M |
| Other(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,255 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,255 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.