| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELITE ADMINISTRATION3 Filed as: ELITE ADMINISTRATION & INS GROUP | 1211 W. 22ND STREET, STE 820 OAK BROOK, IL 60523 | GERBER LIFE INSURANCE COMPANY | $210K | — | $210K | 9.64% |
| ELITE ADMINISTRATION3 Filed as: ELITE ADMINISTRATION & INS GROUP | 1211 W. 22ND STREET, STE 820 OAK BROOK, IL 60523 | DEARBORN LIFE INSURANCE COMPANY | $35K | $11K | $47K | 12.25% |
| ELITE ADMINISTRATION3 Filed as: ELITE ADMINISTRATION & INS GROUP | 1211 W. 22ND STREET, STE 820 OAK BROOK, IL 60523 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Other fees; Claims processing Service code 12 | — | $2.1M |
| ELITE ADMINISTRATION & INSURANCE EIN 36-2238689 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $1.2M |
| EVERSIDE HEALTH EIN 45-3449075 NONE | Other services Service code 49 | — | $669K |
| PAYDHEALTH EIN 84-2853707 NONE | Other services Service code 49 | — | $637K |
| BANSLEY AND KIENER, L.L.P. EIN 36-2152389 NONE | Accounting (including auditing) Service code 10 | — | $197K |
| R. LAINO EIN 36-6069119 ADMINISTRATOR | Employee (plan) Service code 30 | — | $174K |
| S. JOHNSON EIN 36-6069119 EMPLOYEE | Employee (plan) Service code 30 | — | $167K |
| WILLIG, WILLIAMS & DAVIDSON EIN 23-2416488 NONE | Legal Service code 29 | — | $156K |
| M. PRYOR EIN 36-6069119 EMPLOYEE | Employee (plan) Service code 30 | — | $152K |
| R. MACARTHUR EIN 36-6069119 EMPLOYEE | Employee (plan) Service code 30 | — | $146K |
| Z. FRANKENBACH EIN 36-6069119 EMPLOYEE | Employee (plan) Service code 30 | — | $146K |
| B. AFFETTO EIN 36-6069119 EMPLOYEE | Employee (plan) Service code 30 | — | $142K |
| S. BRULL EIN 36-6069119 EMPLOYEE | Employee (plan) Service code 30 | — | $134K |
| L. CRUZ EIN 36-6069119 EMPLOYEE | Employee (plan) Service code 30 | — | $126K |
| CTM LEGAL GROUP EIN 46-1047517 OWNER IS BRO. OF TRUSTEE | Legal Service code 29 | — | $125K |
| VALENZ CARE EIN 36-4869660 NONE | Other services Service code 49 | — | $111K |
| M. VENDAFREDDO EIN 36-6069119 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| NATIONAL INVESTMENT SERVICES EIN 84-3937993 NONE | Investment management Service code 28 | — | $66K |
| FOSTER AND FOSTER EIN 59-1921114 NONE | Actuarial Service code 11 | — | $60K |
| COMPSYCH NONE | Claims processing Service code 12 | 455 N. CITYFRONT PLAZA DR. CHICAGO, IL 60611 | $58K |
| W. COLI EIN 36-6069119 ADMINISTRATOR | Employee (plan) Service code 30 | — | $53K |
| C. JACOBAZZI EIN 36-6069119 EMPLOYEE | Employee (plan) Service code 30 | — | $52K |
| V. NAPLES EIN 36-6069119 EMPLOYEE | Employee (plan) Service code 30 | — | $50K |
| VIVEKA HEALTH, INC. EIN 86-2467157 NONE | Other services Service code 49 | — | $50K |
| P. SWEEZY EIN 36-6069119 EMPLOYEE | Employee (plan) Service code 30 | — | $47K |
| R. CLANCY EIN 36-6069119 EMPLOYEE | Employee (plan) Service code 30 | — | $45K |
| G. YOUMANS EIN 36-6069119 TRUSTEE | Consulting (general); Trustee (individual) Service code 16 | — | $37K |
| SOMMERS AND FAHRENBACH EIN 36-1796440 NONE | Copying and duplicating Service code 36 | — | $37K |
| DENTAL NETWORK OF AMERICA EIN 36-3339483 NONE | Claims processing Service code 12 | — | $36K |
| C. TOMINBERG EIN 36-6069119 TRUSTEE | Trustee (individual); Consulting (general) Service code 16 | — | $29K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $28K |
| T. MARINO EIN 36-6069119 EMPLOYEE | Employee (plan) Service code 30 | — | $27K |
| MR. MICORCHIP EIN 59-3084068 NONE | Other services Service code 49 | — | $27K |
| BUCK GLOBAL EIN 13-3954297 NONE | Other services Service code 49 | — | $27K |
| COMERICA EIN 42-1741646 NONE | Investment management; Shareholder servicing fees; Float revenue; Custodial (securities); Custodial (other than securities); Other services Service code 18 | — | $26K |
| AMALGAMATED BANK EIN 36-0721895 NONE | Float revenue; Investment management Service code 28 | — | $14K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan) Service code 27 | — | $12K |
| K-PLUS TECHNOLOGY SOLUTIONS EIN 36-4282001 NONE | Other services Service code 49 | — | $5K |
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 | 3,883 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,883 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 10,280 | $663K |
| Life insurance(2 contracts) | DEARBORN LIFE INSURANCE COMPANY | 3,819 | $416K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 3,726 | $2.2M |
| Other(2 contracts) | DEARBORN LIFE INSURANCE COMPANY | 3,819 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,280 | — |
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.