| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KOCHER INSURANCE GROUP, INC.3 | 1036 W. NEWPORT AVE, UNIT 1 CHICAGO, IL 60657 | HARTFORD LIFE AND ACCIDENT | $47K | $34K | $82K | 8.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF IL EIN 36-1236610 NONE | Claims processing; Float revenue Service code 12 | — | $6.5M |
| CORPORATE HEALTH DIMENSIONS NONE | Other services Service code 49 | 5500 MARYLAND WAY 400 BRENTWOOD, TN 37027 | $1.3M |
| THE SEGAL COMPANY NONE | Consulting (general); Actuarial Service code 11 | 101 N. WACKER DRIVE, STE 500 CHICAGO, IL 60606 | $589K |
| COMPPSYCH CORPORATION NONE | Other services Service code 49 | 455 N. CITYFRONT PLAZA DRIVE CHICAGO, IL 60611 | $484K |
| MEDICAL COST MANAGEMENT NONE | Other services Service code 49 | 200 W. MONROE STREET, STE 1850 CHICAGO, IL 60606 | $448K |
| MOE IT SERVICE CORPORATION RELATED ORGANIZATION | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 6150 JOLIET ROAD COUNTRYSIDE, IL 60525 | $325K |
| DELTA DENTAL OF ILLINOIS NONE | Claims processing Service code 12 | 111 SHUMAN BLVD. NAPERVILLE, IL 60563 | $318K |
| CHICAGO EQUITY PARTNERS, LLC EIN 36-4338679 NONE | Investment management Service code 28 | — | $264K |
| BOND BROTHERS COMPANY NONE | Copying and duplicating Service code 36 | 7826 47TH STREET LYONS, IL 60534 | $228K |
| FOUNDRY PARTNERS, LLC EIN 46-1184506 NONE | Investment management fees paid directly by plan; Securities brokerage commissions and fees; Soft dollars commissions Service code 51 | — | $201K |
| GRAFF, BALLAUER, BLANSKI EIN 36-3331802 NONE | Accounting (including auditing) Service code 10 | — | $160K |
| BAIRD ADVISORS NONE | Investment management Service code 28 | 227 W. MONROE STREET CHICAGO, IL 60606 | $149K |
| PHARMACEUTICAL STRATEGIES GROUP NONE | Other services Service code 49 | 5360 LEGACY DRIVE, STE 230 PLANO, TX 75024 | $144K |
| INNOVATIVE SOFTWARE SOLUTIONS,INC EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $133K |
| JULIE JELINEK EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $100K |
| PAMELA BATTISTA EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $99K |
| THOMAS BERNSTEIN EIN 36-6109395 EMPLOYEE | Employee (plan); Plan Administrator Service code 14 | — | $97K |
| BRIAN DOXIE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $96K |
| TRACY BIELA EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $96K |
| NANCY AMABILE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $95K |
| CHERYL LYNCH EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $95K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Investment management; Other investment fees and expenses; Soft dollars commissions; Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $94K |
| BAUM SIGNAM AUERBACH & NEUMAN NONE | Legal Service code 29 | 200 W. ADAMS STREET, SUITE 2000 CHICAGO, IL 60606 | $91K |
| CHERYLE PICKETT EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| HECTOR TAPIA EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| FRANCES LIMANDRI-BURGOS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $83K |
| CONNIE SHONTEE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $83K |
| MICHAEL APRILE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $83K |
| ROBERT KLOTZ EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $83K |
| JOY BARTH EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $83K |
| ARLENE ORMISTON EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $82K |
| SYLVIA MCAROY EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $82K |
| KERRY MCMAHON EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $81K |
| MARY DAVIS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $81K |
| MCGANN, KETTERMAN & RIOUX NONE | Legal Service code 29 | 111 E. WACKER DRIVE, STE 2600 CHICAGO, IL 60601 | $81K |
| GREGORY MUDD EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $81K |
| MARIA JOERMS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $81K |
| CHRISTINE MOWINSKI EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $81K |
| KATHLEEN CRISSEY EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $81K |
| BECKY TILLMAN EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $79K |
| LORI AUNE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $79K |
| JENIE BROWN EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $77K |
| BETTY PHILLIPS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $75K |
| KATHLEEN GRIMM EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $74K |
| ALEX HARRISON EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $74K |
| TONI ROWLAND EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $74K |
| JACKIE CALDWELL EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $74K |
| GILBERT PEREZ EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $73K |
| INSTITUTE FOR WORKER WELFARE NONE | Legal Service code 29 | 6140 JOLIET ROAD COUNTRYSIDE, IL 60525 | $73K |
| BRENDA SCURLOCK EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $73K |
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 | 13,917 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 13,937 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 23,293 | $945K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,293 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.