| 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 | — | $5.4M |
| PREMISE HEALTH EMPLOYER SOLUTIONS EIN 23-3057155 NONE | Other services Service code 49 | — | $4.6M |
| EVERSIDE HEALTH LLC NONE | Other services Service code 49 | P.O. BOX 1433 PORTSMOUTH, NH 03802 | $1.9M |
| UCS HOLDINGS, INC. NONE | Other services Service code 49 | DEPT 374, PO BOX 1000 MEMPHIS, TN 38148 | $956K |
| MIDWEST COALITION OF LABOR RELATED ORGANIZATION | Other services Service code 49 | 6200 JOLIET ROAD COUNTRYSIDE, IL 60525 | $854K |
| MCGANN, KETTERMAN & RIOUX NONE | Legal Service code 29 | 111 E. WACKER DRIVE, STE 2300 CHICAGO, IL 60601 | $459K |
| MOE NOT-FOR-PROFIT IT SERVICE RELATED ORGANIZATION | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 15 | 6150 JOLIET ROAD COUNTRYSIDE, IL 60525 | $449K |
| RED CARD SYSTEMS, LLC NONE | Other services; Other fees Service code 49 | 744 OFFICE PARKWAY SAINT LOUIS, MO 63141 | $326K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Consulting (general) Service code 16 | — | $309K |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 NONE | Claims processing Service code 12 | — | $278K |
| THOMAS BERNSTEIN EIN 36-6109395 EMPLOYEE | Plan Administrator; Employee (plan) Service code 14 | — | $223K |
| EMPLOYEE RESOURCE SYSTEMS, INC. EIN 36-3867645 NONE | Other services Service code 49 | — | $218K |
| KIMBERLY WEBB EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $191K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $177K |
| LOOMIS SAYLES TRUST COMPANY EIN 20-8080381 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $171K |
| FOUNDRY PARTNERS, LLC EIN 46-1184506 NONE | Securities brokerage commissions and fees; Soft dollars commissions; Investment management Service code 28 | — | $167K |
| INSTITUTE FOR WORKER WELFARE RELATED ORGANIZATION | Legal Service code 29 | 6141 JOLIET ROAD COUNTRYSIDE, IL 60525 | $166K |
| HEALTH CARE SERVICE CORP NONE | Other services Service code 49 | 300 E. RANDOLPH STREET CHICAGO, IL 60601 | $158K |
| DAWN NOWAK EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $150K |
| LEIGH FOX EIN 36-6109395 EMPLOYEE | Non-monetary compensation; Employee (plan) Service code 30 | — | $114K |
| KELSIE PECENY EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $114K |
| JENNIFER MEISTER EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $109K |
| MICHAEL APRILE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $108K |
| TANYA REED EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $107K |
| MESIROW FINANCIAL EIN 36-3429599 NONE | Investment management Service code 28 | — | $105K |
| MARY DAVIS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $103K |
| MARTIN TUREK EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $101K |
| ROBERT W. BAIRD & CO. NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 227 W. MONROE STREET CHICAGO, IL 60606 | $101K |
| ANGELA MCMILLIN EIN 36-6109395 EMPLOYEE | Non-monetary compensation; Employee (plan) Service code 30 | — | $100K |
| TRACY BIELA EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $98K |
| JENNIFER BEEMSTERBOER EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $91K |
| KATHLEEN AUSTIN EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $90K |
| TONI ROWLAND EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $89K |
| JACKIE CALDWELL EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $89K |
| CHERYLE PICKETT DENNIS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $89K |
| FRANCES LIMANDRI-BURGOS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| HECTOR TAPIA EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| MATTHEW MOSQUEDA EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| JULI KRESGE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| CHRISTINE MOWINSKI EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| MARICRUZ CERVANTES EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| NANCY AMABILE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| MARIE JOERMS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| PAMELA KOWALSKI EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| ANNA BOZICH EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $86K |
| BETTY PHILLIPS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $86K |
| LAVERNE PURCHASE EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $86K |
| ARLENE ORMISTON EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $86K |
| SYLVIA MCAROY EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $86K |
| WANDA BUSS EIN 36-6109395 EMPLOYEE | Employee (plan) Service code 30 | — | $85K |
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 | 15,060 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 15,079 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 33,155 | $938K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,155 | — |
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.