| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELITE ADMINISTRATION3 Filed as: ELITE ADMIN & INS GRP INC | 1211 W 22ND STREET SUITE 820 OAK BROOK, IL 60523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $405 | — | $405 | 0.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX, INC EIN 33-0441200 NONE | Claims processing; Float revenue; Other fees; Direct payment from the plan Service code 12 | — | $2.2M |
| TEAMSTERS LOCAL UNION 301 GENERAL EIN 36-1264295 AFFILIATED ORGANIZATION | Contract Administrator; Other services Service code 13 | — | $591K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $84K |
| SARA HAFFNER-WOLF EIN 36-6125658 FUND ADMINISTRATOR | Plan Administrator Service code 14 | — | $84K |
| FRANK J. BAKER & COMPANY EIN 36-3086616 NONE | Accounting (including auditing) Service code 10 | — | $64K |
| FOSTER & FOSTER EIN 59-1921114 NONE | Consulting (general) Service code 16 | — | $60K |
| SEGALL BRYANT & HAMILL EIN 35-2679129 NONE | Investment management Service code 28 | — | $52K |
| MCGANN KETTERMAN & RIOUX EIN 36-3968279 NONE | Legal Service code 29 | — | $52K |
| GREAT LAKES ADVISORS, LLC EIN 80-0292839 NONE | Investment management Service code 28 | — | $46K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Consulting (general) Service code 16 | — | $42K |
| LIRACOM LLC EIN 36-2840323 NONE | Consulting (general) Service code 16 | — | $30K |
| INETICO, LLC DBA VALENZ CARE EIN 36-4869660 NONE | Consulting (general) Service code 16 | — | $29K |
| 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 | — | $23K |
| HORIZON ACTUARIAL SERVICES, LLC EIN 26-1370698 NONE | Actuarial Service code 11 | — | $16K |
| IFEBP EIN 36-1034021 NONE | Other services Service code 49 | — | $13K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Custodial (securities) Service code 19 | — | $10K |
| ACCESS ONE INC EIN 36-3894321 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $8K |
| DATAMOTION IMAGING SERVICES EIN 36-4303011 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $8K |
| WEST END PRESS INC EIN 36-2433269 NONE | Other services Service code 49 | — | $7K |
| GREEN LIGHT COST MANAGEMENT, LLC EIN 45-5248276 NONE | Other services Service code 49 | — | $5K |
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 | 783 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 835 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 811 | $10.8M |
| Dental | DELTA DENTAL OF ILLINOIS | 720 | $865K |
| Vision | VISION SERVICE PLAN | 835 | $85K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 758 | $48K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 758 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 835 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.