| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KOCHER INSURANCE GROUP, INC.3 | 1036 W. NEWPORT AVE, UNIT 1 CHICAGO, IL 60657 | RELIASTAR LIFE INSURANCE COMPANY | $30K | $5K | $35K | 2.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF IL EIN 36-1236610 NONE | Claims processing; Float revenue Service code 12 | — | $6.6M |
| PREMISE HEALTH EMPLOYER SOLUTIONS EIN 23-3057155 NONE | Other services Service code 49 | — | $2.8M |
| MOE IT SERVICE CORPORATION RELATED ORGANIZATION | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 6150 JOLIET ROAD COUNTRYSIDE, IL 60525 | $880K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Actuarial; Consulting (general) Service code 11 | — | $549K |
| MEDICAL COST MANAGEMENT EIN 36-3445315 NONE | Other services Service code 49 | — | $438K |
| MCGANN, KETTERMAN & RIOUX NONE | Legal Service code 29 | 111 E. WACKER DRIVE, STE 2600 CHICAGO, IL 60601 | $382K |
| UCS HOLDINGS, INC. NONE | Other services Service code 49 | DEPT. 3786, P.O. BOX 123786 DALLAS, TX 75312 | $307K |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 NONE | Claims processing Service code 12 | — | $284K |
| RED CARD SYSTEMS, LLC NONE | Other services Service code 49 | 744 OFFICE PARKWAY SAINT LOUIS, MO 63141 | $280K |
| INNOVATIVE SOFTWARE SOLUTIONS,INC EIN 23-2182079 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $230K |
| EMPLOYEE RESOURCE SYSTEMS, INC. EIN 36-3867645 NONE | Other services Service code 49 | — | $199K |
| FOUNDRY PARTNERS, LLC EIN 46-1184506 NONE | Soft dollars commissions; Securities brokerage commissions and fees; 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 | $169K |
| CHICAGO EQUITY PARTNERS, LLC EIN 36-4338679 NONE | Investment management Service code 28 | — | $165K |
| GHS GENERAL INSURANCE AGENCY NONE | Participant communication Service code 38 | P.O. BOX 60545 OKLAHOMA CITY, OK 73146 | $150K |
| THOMAS BERNSTEIN EIN 36-6109395 EMPLOYEE | Employee (plan); Plan Administrator Service code 14 | — | $138K |
| LOOMIS SAYLES TRUST COMPANY EIN 20-8080381 NONE | Investment management Service code 28 | — | $131K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $130K |
| BRIAN DOXIE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $122K |
| TRACY BIELA EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $119K |
| BOND BROTHERS COMPANY NONE | Copying and duplicating Service code 36 | 7826 47TH STREET LYONS, IL 60534 | $118K |
| KERRY MCMAHON EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $118K |
| KIMBERLY WEBB EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $116K |
| CHERYL LYNCH EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $106K |
| KELSIE PECENY EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $103K |
| PAMELA KOWALSKI EIN 36-6109395 EMPLOYEE | Employee (plan); Non-monetary compensation Service code 30 | — | $103K |
| KATHLEEN AUSTIN EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $102K |
| MARTIN TUREK EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $100K |
| MICHAEL APRILE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $100K |
| THE NORTHERN TRUST CORPORATION EIN 36-2723087 NONE | Investment management fees paid directly by plan; Soft dollars commissions; Other investment fees and expenses; Investment management; Custodial (securities) Service code 19 | — | $95K |
| BRIAN CAPPEL EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $94K |
| CHERYLE PICKETT DENNIS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $92K |
| HECTOR TAPIA EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $91K |
| FRANCES LIMANDRI-BURGOS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $89K |
| BETTY PHILLIPS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $89K |
| ARLENE ORMISTON EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| JOY BARTH EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| GREGORY MUDD EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| SYLVIA MCAROY EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| MARIA JOERMS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| JENNIFER MEISTER EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| CONNIE SHONTEE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| LORI AUNE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $86K |
| MARY DAVIS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $86K |
| WANDA BUSS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $85K |
| PAMELA BATTISTA EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $85K |
| TONI ROWLAND EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $85K |
| CHRISTINE MOWINSKI EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $84K |
| JACKIE CALDWELL EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $84K |
| GILBERT PEREZ EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $83K |
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 | 12,747 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 12,768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 34,134 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,134 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.