| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KOCHER INSURANCE GROUP, INC.3 | 1165 N CLARK ST. STE 7 CHICAGO, IL 60610 | RELIASTAR LIFE INSURANCE COMPANY | $23K | $23K | $47K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF IL EIN 36-1236610 NONE | Other commissions; Claims processing Service code 12 | — | $5.6M |
| PREMISE HEALTH EMPLOYER SOLUTIONS EIN 23-3057155 NONE | Other services Service code 49 | — | $4.6M |
| MIDWEST COALITION OF LABOR RELATED ORGANIZATION | Other services Service code 49 | 6200 JOLIET ROAD COUNTRYSIDE, IL 60525 | $2.6M |
| EVERSIDE HEALTH LLC NONE | Other services Service code 49 | P.O. BOX 1433 PORTSMOUTH, NH 03802 | $1.8M |
| UCS HOLDINGS, INC. NONE | Other services Service code 49 | DEPT 374, PO BOX 1000 MEMPHIS, TN 38148 | $786K |
| MOE NOT-FOR-PROFIT IT SERVICE RELATED ORGANIZATION | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 6150 JOLIET ROAD COUNTRYSIDE, IL 60525 | $534K |
| MCGANN, KETTERMAN & RIOUX NONE | Legal Service code 29 | 111 E. WACKER DRIVE, STE 2300 CHICAGO, IL 60601 | $512K |
| VALENZPROTEKHT, LLC NONE | Other services Service code 49 | 23048 N. 15TH AVENUE PHOENIX, AZ 85027 | $393K |
| MARATHON HEALTH PARENT, LLC NONE | Other services Service code 49 | PO BOX 1433 PORTSMOUTH, NH 03802 | $318K |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 NONE | Claims processing Service code 12 | — | $300K |
| RED CARD SYSTEMS, LLC NONE | Other services Service code 49 | 744 OFFICE PARKWAY SAINT LOUIS, MO 63141 | $300K |
| CONIFER VALUE-BASED CARE, LLC NONE | Other services Service code 49 | 14201 DALLAS PARKWAY DALLAS, TX 75254 | $279K |
| THOMAS BERNSTEIN EIN 36-6109395 EMPLOYEE | Non-monetary compensation; Employee (plan); Plan Administrator Service code 14 | — | $228K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Consulting (general); Actuarial Service code 11 | — | $220K |
| ALLONE HEALTH RESOURCES EIN 36-3867645 NONE | Other services Service code 49 | — | $217K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $211K |
| KIMBERLY WEBB EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $206K |
| BRIDGEWAY BENEFIT TECHNOLOGIES, LLC EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $203K |
| INSTITUTE FOR WORKER WELFARE RELATED ORGANIZATION | Legal Service code 29 | 6141 JOLIET ROAD COUNTRYSIDE, IL 60525 | $173K |
| DAWN NOWAK EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $160K |
| ANGELA MCMILLIN EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $152K |
| DOMINIC BIONDOLILLO EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $138K |
| PBIRX, INC. NONE | Consulting (general) Service code 16 | 612 WHEELERS FARM ROAD MILFORD, CT 06461 | $131K |
| LEIGH FOX EIN 36-6109395 EMPLOYEE | Employee (plan); Non-monetary compensation Service code 30 | — | $125K |
| KELSIE PECENY EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $124K |
| STEVEN CISCO EIN 36-6109395 TRUSTEE | Trustee (individual) Service code 20 | — | $121K |
| TANYA REED EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $120K |
| JENNIFER MEISTER EIN 36-6109395 EMPLOYEE | Non-monetary compensation; Employee (plan) Service code 30 | — | $117K |
| TRACY BIELA EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $113K |
| FRANCES LIMANDRI-BURGOS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $111K |
| MARY DAVIS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $104K |
| ILIANA BAEZ EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $99K |
| JENNIFER BEEMSTERBOER EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $98K |
| NANCY MCKINLEY EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $98K |
| CHERYLE PICKETT DENNIS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $97K |
| BETTY PHILLIPS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $97K |
| VATISHA HAMMICK EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $97K |
| JACKIE CALDWELL EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $96K |
| KAITLYN ODEKIRK EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $96K |
| MATTHEW MOSQUEDA EIN 36-6109395 EMPLOYEE | Non-monetary compensation; Employee (plan) Service code 30 | — | $95K |
| ANNA BOZICH EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $95K |
| TONI ROWLAND EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $94K |
| MARICRUZ CERVANTES EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $94K |
| JULI KRESGE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $94K |
| ALLISON CIANCI EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $93K |
| CHRISTINE MOWINSKI EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $93K |
| HECTOR TAPIA EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $91K |
| NANCY AMABILE EIN 36-6109395 EMPLOYEE | Non-monetary compensation; Employee (plan) Service code 30 | — | $91K |
| SYLVIA MCAROY EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $90K |
| MARIE JOERMS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
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 | 15,073 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 15,097 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 33,439 | $938K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,439 | — |
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.