| 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 | $53K | — | $53K | 6.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF IL EIN 36-1236610 NONE | Float revenue; Claims processing Service code 12 | — | $6.5M |
| PREMISE HEALTH EMPLOYER SOLUTIONS EIN 23-3057155 NONE | Other services Service code 49 | — | $1.4M |
| MEDICAL COST MANAGEMENT EIN 36-3445315 NONE | Other services Service code 49 | — | $769K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Consulting (general); Actuarial Service code 11 | — | $587K |
| MOE IT SERVICE CORPORATION RELATED ORGANIZATION | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 6150 JOLIET ROAD COUNTRYSIDE, IL 60525 | $513K |
| RED CARD SYSTEMS, LLC NONE | Other services Service code 49 | 744 OFFICE PARKWAY SAINT LOUIS, MO 63141 | $377K |
| MCGANN, KETTERMAN & RIOUX NONE | Legal Service code 29 | 111 E. WACKER DRIVE, STE 2600 CHICAGO, IL 60601 | $367K |
| COMPPSYCH CORPORATION NONE | Other services Service code 49 | 455 N. CITYFRONT PLAZA DRIVE CHICAGO, IL 60611 | $316K |
| GHS GENERAL INSURANCE AGENCY NONE | Participant communication Service code 38 | P.O. BOX 60545 OKLAHOMA CITY, OK 73146 | $275K |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 NONE | Claims processing Service code 12 | — | $267K |
| CVS CAREMARK, INC. NONE | Claims processing Service code 12 | ONE CVS DRIVE WOONSOCKET, RI 02895 | $262K |
| FOUNDRY PARTNERS, LLC EIN 46-1184506 NONE | Securities brokerage commissions and fees; Soft dollars commissions; Investment management fees paid directly by plan Service code 51 | — | $188K |
| INSTITUTE FOR WORKER WELFARE NONE | Legal Service code 29 | 6140 JOLIET ROAD COUNTRYSIDE, IL 60525 | $175K |
| CHICAGO EQUITY PARTNERS, LLC EIN 36-4338679 NONE | Investment management Service code 28 | — | $173K |
| BOND BROTHERS COMPANY NONE | Copying and duplicating Service code 36 | 7826 47TH STREET LYONS, IL 60534 | $155K |
| THOMAS BERNSTEIN EIN 36-6109395 EMPLOYEE | Plan Administrator; Employee (plan) Service code 14 | — | $142K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $140K |
| LOOMIS SAYLES TRUST COMPANY EIN 20-8080381 NONE | Investment management Service code 28 | — | $130K |
| BRIAN DOXIE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $120K |
| KIMBERLY WEBB EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $115K |
| KERRY MCMAHON EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $115K |
| TRACY BIELA EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $115K |
| NORTHERN TRUST CORPORATION EIN 36-2723087 NONE | Other investment fees and expenses; Investment management; Soft dollars commissions; Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $111K |
| CHERYL LYNCH EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $107K |
| PAMELA KOWALSKI EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $103K |
| KATHLEEN AUSTIN EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $101K |
| KELSIE PECENY EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $96K |
| CHARLES AUGUST EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $96K |
| MICHAEL APRILE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $94K |
| MARTIN TUREK EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $94K |
| HECTOR TAPIA EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $92K |
| CONNIE SHONTEE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $92K |
| FRANCES LIMANDRI-BURGOS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $91K |
| ARLENE ORMISTON EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $90K |
| JOY BARTH EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $90K |
| MARY DAVIS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $90K |
| BRIAN CAPPEL EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $90K |
| GREGORY MUDD EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $90K |
| MARIA JOERMS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $89K |
| LORI AUNE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| SYLVIA MCAROY EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| CHRISTINE MOWINSKI EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| BECKY TILLMAN EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| PAMELA BATTISTA EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| BETTY PHILLIPS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $84K |
| MICHELLE PICCOLO-SEIBEL EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $84K |
| GILBERT PEREZ EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $83K |
| BAIRD ADVISORS NONE | Investment management Service code 28 | 227 W. MONROE STREET CHICAGO, IL 60606 | $82K |
| DIANE PIERSON EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $82K |
| JENNIFER MEISTER EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $82K |
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 | 14,104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 14,147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 21,964 | $849K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,964 | — |
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.