| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELITE ADMINISTRATION3 Filed as: ELITE ADMINISTRATION & INS GROUP | 1300 W. HIGGINS SUITE 208 PARK RIDGE, IL 60068 | GERBER LIFE INSURANCE COMPANY | $98K | — | $98K | 7.99% |
| ELITE ADMINISTRATION3 Filed as: ELITE ADMINISTRATION & INS GROUP | 1121 WEST 22ND STREET SUITE 820 OAK BROOK, IL 60523 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $44K | — | $44K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD NONE | Contract Administrator; Insurance services Service code 13 | 300 EAST RANDOLPH STREET CHICAGO, IL 60601 | $701K |
| ELITE ADMINISTRATION NONE | Claims processing; Contract Administrator Service code 12 | 1211 W. 22ND STREET, SUITE 820 OAK BROOK, IL 60523 | $384K |
| HEALTHCARE STRATEGIES INC NONE | Insurance services Service code 23 | PO BOX 37039 BALTIMORE, MD 21297 | $246K |
| JEFFREY HOFF EMPLOYEE | Employee (plan) Service code 30 | 300 S. ASHLAND AVE, SUITE 500 CHICAGO, IL 60607 | $149K |
| CHRISTINE USON EMPLOYEE | Employee (plan) Service code 30 | 300 S. ASHLAND AVE, SUITE 500 CHICAGO, IL 56170 | $102K |
| TRACY VARI EMPLOYEE | Employee (plan) Service code 30 | 300 S. ASHLAND AVE., SUITE 500 CHICAGO, IL 60607 | $86K |
| MELODY OROZCO EMPLOYEE | Employee (plan) Service code 30 | 300 S. ASHLAND AVE., SUITE 500 CHICAGO, IL 60607 | $85K |
| LEGACY PROFESSIONALS EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $83K |
| BURKE, BURNS, & PINELLI NONE | Legal Service code 29 | 70 W MADISON ST. SUITE 4 CHICAGO, IL 60602 | $60K |
| MARY CERETTO EIN 36-6057110 EMPLOYEE | Employee (plan) Service code 30 | — | $57K |
| HOPE ASSISTANCE PLANS NONE | Other services Service code 49 | 16335 S. HARLEM AVE., SUITE 400 TINLEY PARK, IL 60477 | $57K |
| VITECH SYSTEMS GROUP, INC NONE | Consulting (general) Service code 16 | 401 PARK AVENUE SOUTH NEW YORK, NY 10016 | $50K |
| LANER MUCHIN NONE | Legal Service code 29 | 515 N. STATE STREET, SUITE 2800 CHICAGO, IL 60654 | $46K |
| WESTERN ASSET MANAGEMENT NONE | Investment management fees paid indirectly by plan; Investment management; Investment management fees paid directly by plan Service code 28 | 385 E. COLORADO BLVD. PASADENA, CA 91101 | $30K |
| RIVERBRIDGE PARTNERS, LLC NONE | Investment management fees paid indirectly by plan; Soft dollars commissions; Investment management Service code 28 | 1200 IDS CENTER 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | $29K |
| SILVERCREST ASSET MANAGEMENT NONE | Investment management fees paid indirectly by plan; Soft dollars commissions; Investment management Service code 28 | 1330 AVENUE OF THE AMERICAS 38TH FLOOR NEW YORK, NY 10019 | $28K |
| BMO HARRIS BANK EIN 36-2085229 NONE | Other services; Named fiduciary; Investment management fees paid directly by plan; Custodial (securities); Float revenue; Soft dollars commissions Service code 19 | — | $25K |
| MERCER NONE | Investment advisory (plan) Service code 27 | 155 N. WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | $23K |
| PGIM INVESTMENTS NONE | Investment management; Soft dollars commissions; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 28 | PO BOX 9658 PROVIDENCE, RI 02940 | $16K |
| DENTAL NETWORK OF AMERICA NONE | Insurance services Service code 23 | 2 TRANSAM PLAZA, SUITE 500 OAKBROOK TERRACE, IL 60181 | $15K |
| LASALLE CONSULTING PARTNERS NONE | Consulting (general) Service code 16 | 200 WEST MADISON STREET SUITE 940 CHICAGO, IL 60606 | $14K |
| ROSANNE LACALAMITA EMPLOYEE | Employee (plan) Service code 30 | 300 S. ASHLAND AVE, SUITE 500 CHICAGO, IL 60607 | $11K |
| STEVE WARNKE TRUSTEE | Trustee (individual) Service code 20 | P.O. BOX 1148 CLARK, CO 80428 | $7K |
| SOMMERS AND FAHRENBACH NONE | Other services Service code 49 | 3301 WEST BELMONT AVENUE CHICAGO, IL 60618 | $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 | 1,533 | 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) | 1,533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,533 | $441K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 1,548 | $1.2M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,533 | $441K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,548 | — |
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.