| 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 | $46K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF IL EIN 36-1236610 NONE | Other commissions; Claims processing Service code 12 | — | $4.8M |
| PREMISE HEALTH EMPLOYER SOLUTIONS EIN 23-3057155 NONE | Other services Service code 49 | — | $3.8M |
| EVERSIDE HEALTH LLC NONE | Other services Service code 49 | 1400 WEWATTA STREET, SUITE 350 DENVER, CO 80202 | $1.3M |
| UCS HOLDINGS, INC. NONE | Other services Service code 49 | DEPT. 3786, P.O. BOX 123786 DALLAS, TX 75312 | $827K |
| 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 | $545K |
| MCGANN, KETTERMAN & RIOUX NONE | Legal Service code 29 | 111 E. WACKER DRIVE, STE 2600 CHICAGO, IL 60601 | $383K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Consulting (general); Actuarial Service code 11 | — | $322K |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 NONE | Claims processing Service code 12 | — | $277K |
| FOUNDRY PARTNERS, LLC EIN 46-1184506 NONE | Investment management; Soft dollars commissions; Securities brokerage commissions and fees Service code 28 | — | $236K |
| EMPLOYEE RESOURCE SYSTEMS, INC. EIN 36-3867645 NONE | Other services Service code 49 | — | $213K |
| THOMAS BERNSTEIN EIN 36-6109395 EMPLOYEE | Non-monetary compensation; Plan Administrator; Employee (plan) Service code 14 | — | $206K |
| RED CARD SYSTEMS, LLC NONE | Other services; Other fees Service code 49 | 744 OFFICE PARKWAY SAINT LOUIS, MO 63141 | $205K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $202K |
| KIMBERLY WEBB EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $181K |
| LOOMIS SAYLES TRUST COMPANY EIN 20-8080381 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $165K |
| INSTITUTE FOR WORKER WELFARE NONE | Legal Service code 29 | 6141 JOLIET ROAD COUNTRYSIDE, IL 60525 | $163K |
| DAWN NOWAK EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $139K |
| MESIROW FINANCIAL EIN 36-3429599 NONE | Investment management Service code 28 | — | $138K |
| PAMELA KOWALSKI EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $134K |
| KERRY MCMAHON EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $128K |
| ROBERT W. BAIRD & CO. NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 227 W. MONROE STREET CHICAGO, IL 60606 | $116K |
| KELSIE PECENY EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $111K |
| LEIGH FOX EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $110K |
| KATHLEEN AUSTIN EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $106K |
| MARTIN TUREK EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $105K |
| MICHAEL APRILE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $105K |
| DIANE PIERSON EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $102K |
| JENNIFER MEISTER EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $99K |
| ALEX HARRISON EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $98K |
| MARION MCINTURFF EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $96K |
| MARY DAVIS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $93K |
| TRACY BIELA EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $92K |
| BETTY PHILLIPS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $91K |
| TONI ROWLAND EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $89K |
| CHERYLE PICKETT DENNIS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| JACKIE CALDWELL EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| MARICRUZ CERVANTES EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| FRANCES LIMANDRI-BURGOS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| CHRISTINE MOWINSKI EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| HECTOR TAPIA EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| ARLENE ORMISTON EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $86K |
| MATTHEW MOSQUEDA EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $86K |
| NANCY AMABILE EIN 36-6109395 EMPLOYEE | Non-monetary compensation; Employee (plan) Service code 30 | — | $85K |
| SYLVIA MCAROY EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $85K |
| WANDA BUSS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $85K |
| LAVERNE PURCHASE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $82K |
| KAITLYN ODEKIRK EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $81K |
| VATISHA HAMMICK EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $79K |
| BRIDGEWAY BENEFIT TECHNOLOGIES, LLC NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 3700 KOPPERS STREET, SUITE 400 BALTIMORE, MD 21227 | $78K |
| JESSIKA PUENTE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $78K |
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 | 14,783 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 14,816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 32,753 | $915K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32,753 | — |
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.