| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELITE ADMINISTRATION3 Filed as: ELITE ADMINISTRATION & INSURANCE GR | 1211 W. 22ND STREET, SUITE 820 OAK BROOK, IL 60523 | THE UNION LABOR LIFE INSURANCE COMPANY | $33K | $0 | $33K | 7.10% |
| ELITE ADMINISTRATION3 Filed as: ELITE ADMINISTRATION & INSURANCE GR | 1211 W. 22ND STREET, SUITE 820 OAK BROOK, IL 60523 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 16.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Claims processing; Other commissions Service code 12 | — | $297K |
| MACNELL ACCOUNTING AND CONSULTING EIN 30-0510353 NONE | Accounting (including auditing) Service code 10 | 9436 SPRINGFIELD AVE. EVANSTON, IL 60203 | $48K |
| TFBC, LLC EIN 27-3782504 NONE | Actuarial; Consulting fees; Consulting (general) Service code 11 | — | $41K |
| INVESTMENT CONSULTING SERVICES EIN 32-0016703 NONE | Consulting fees; Investment advisory (plan) Service code 27 | — | $37K |
| BAUM SIGMAN AUERBACH & NEUMAN, LTD. EIN 36-2744057 NONE | Legal Service code 29 | — | $28K |
| INTERACTIVE HEALTH SOLUTIONS EIN 36-3798756 NONE | Other services Service code 49 | — | $27K |
| DOWD BLOCH BENNETT CERVONE AUERBACH EIN 36-3371377 NONE | Legal Service code 29 | — | $26K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $26K |
| OPTUM RX EIN 11-2581812 NONE | Claims processing Service code 12 | 1600 MCCONNOR PKWY SCHAUMBURG, IL 60173 | $23K |
| C.S. MCKEE, L.P. EIN 25-1900687 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $23K |
| MEDCARE MANAGEMENT EIN 88-0429522 NONE | Other services Service code 49 | — | $17K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Other services Service code 49 | — | $15K |
| BUCK GLOBAL EIN 13-3954297 NONE | Other services Service code 49 | — | $11K |
| DELTA DENTAL EIN 36-2612058 NONE | Claims processing Service code 12 | — | $11K |
| JOHNSON INVESTMENT COUNSEL NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 3777 WEST FORK ROAD CINCINNATI, OH 45247 | $11K |
| PILLAR RX EIN 59-2926768 NONE | Consulting fees; Other services Service code 49 | — | $10K |
| EMPLOYEE RESOURCE SYSTEMS NONE | Other services Service code 49 | 29 E MADISON ST. STE 1600 CHICAGO, IL 60602 | $9K |
| ROUNDY'S SUPERMARKETS NONE | Other services Service code 49 | 3701 S 27TH ST MILWAUKEE, WI 53202 | $8K |
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 | 539 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 578 | $46K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 580 | $461K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 578 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.