Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Health | Health | |
Vision | Vision | |
Broker: Elite Admin & Ins Grp Inc LifeOther | LifeOther |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 3 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 877 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 919 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 907 | $14.2M |
| Vision | VISION SERVICE PLAN | 919 | $143K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 847 | $50K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 847 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 919 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: The Guardian Life Insurance Company of America |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX, INC EIN 33-0441200 NONE | Float revenue; Direct payment from the plan; Claims processing; Other fees Service code 12 | — | $2.9M |
| MIDWEST COALITION OF LABOR EIN 99-2613379 NONE | Other services Service code 49 | — | $566K |
| TEAMSTERS LOCAL UNION 301 GENERAL EIN 36-1264295 AFFILIATED ORGANIZATION | Other services; Contract Administrator Service code 13 | — | $488K |
| ELLITE ADMINISTRATION & INSURANCE EIN 36-2238689 NONE | Consulting (general) Service code 16 | — | $179K |
| FOSTER & FOSTER EIN 59-1921114 NONE | Consulting (general) Service code 16 | — | $114K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $102K |
| SARA HAFFNER-WOLF EIN 36-6125658 EMPLOYEE | Plan Administrator; Employee (plan) Service code 14 | — | $97K |
| FRANK J. BAKER & COMPANY EIN 36-3086616 NONE | Accounting (including auditing) Service code 10 | — | $73K |
| MCGANN KETTERMAN & RIOUX EIN 36-3968279 NONE | Legal Service code 29 | — | $67K |
| SEGALL BRYANT & HAMILL EIN 35-2679129 NONE | Investment management fees paid directly by plan Service code 51 | — | $64K |
| GREAT LAKES ADVISORS, LLC EIN 80-0292839 NONE | Investment management fees paid directly by plan Service code 51 | — | $49K |
| LIRACOM LLC EIN 36-2840323 NONE | Consulting (general) Service code 16 | — | $36K |
| INETICO, LLC DBA VALENZ CARE EIN 36-4869660 NONE | Consulting (general) Service code 16 | — | $30K |
| MARQUETTE ASSOCIATES, INC. EIN 36-3485298 NONE | Investment advisory (plan) Service code 27 | — | $25K |
| OPTUM FINANCIAL EIN 47-0858530 NONE | Consulting (general) Service code 16 | — | $24K |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 NONE | Contract Administrator Service code 13 | — | $18K |
| ONSITE LOGIC EIN 20-0812459 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $14K |
| GREEN LIGHT COST MANAGEMENT, LLC EIN 45-5248276 NONE | Other services Service code 49 | — | $12K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Custodial (securities) Service code 19 | — | $12K |
| IFEBP EIN 36-1034021 NONE | Other services Service code 49 | — | $12K |
| CLAIMS-X-CHANGE, LLC EIN 27-2091752 NONE | Consulting (general) Service code 16 | — | $9K |
| WEST END PRESS INC EIN 36-2433269 NONE | Other services Service code 49 | — | $7K |
| DATAMATION IMAGING SERVICES EIN 36-4303011 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $7K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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11 filings · 2015 to 2025